Hi, I'm Stephen Collins.

I'm a software engineer and former financial analyst who builds tools to help people make smarter, more intentional financial decisions.

Before I wrote code, I built interest rate forecasting models for community banks as a consultant. I've also managed a $500,000 student-run investment fund while earning my BBA in Finance with a minor in International Business.

Today, I combine financial insight with engineering skill to create tools and content that help others plan with more clarity. CapitalCrafted is where I publish the tools and ideas I wish I had when I started managing my own money—starting with the Survival Rate Calculator.

Whether you're modeling retirement risk, stress-testing assumptions, or just looking for grounded thinking about long-term finance, you're in the right place.

I also maintain a site for developers and technical tools at stephencollins.tech .