f2y Financial Index

Real numbers. Real simulations.

Monthly indices built from anonymous, aggregated data across all submitted simulations on finances2you. Published the 1st of each month.

Mortgage Rate Index

Median interest rate entered by users in the Mortgage Calculator. Reflects the rates users are seeing in their local market.

No data yet. Check back next month.

Financial Stress Index

Median months of income needed to clear simulated debt. Higher means users are modeling more financial stress.

No data yet. Check back next month.

Investor Optimism Index

Median expected annual return entered in the Investment Calculator. Tracks how optimistic (or realistic) investors are feeling.

No data yet. Check back next month.

FIRE Feasibility Index

Median years to target retirement age among FIRE Calculator users. Lower = more aggressive retirement timelines.

No data yet. Check back next month.

How we calculate it

All indices are computed from anonymous, aggregated simulator data. No individual user is ever identified. We apply statistical filters to exclude extreme outliers (bottom and top 2.5% of each distribution). A minimum of 50 simulations per month is required for an index to be published.