Simple tools for real financial decisions
1
Pick a tool
Choose from calculators, checklists, and planners organized around the four pillars of personal finance: stability, growth, housing, and protection.
2
Enter your numbers
Every tool is interactive. Enter your actual figures and see results update instantly with charts and clear explanations — no spreadsheet skills needed.
3
Make a better decision
Each tool includes plain-language explanations of the concepts, not just the math. Walk away with a clear plan, not just a number.
Build Stability
Build your financial foundation
Master your budget, eliminate debt, build an emergency cushion, and protect your credit score. These are the tools that create financial security.
Monthly Budget Calculator
Map every dollar of income and expense. Visualize your 50/30/20 split and find where your money is actually going.
Budgeting
Debt Payoff Calculator
Compare the avalanche and snowball strategies side by side. Find your debt-free date and total interest cost under each approach.
Debt
Emergency Fund Calculator
Calculate your personalized 3–6 month target. Track your progress, see your timeline, and test whether your fund covers real emergencies.
Emergency Fund
FICO Score Improvement Tracker
Understand every factor driving your score. Get a personalized action plan and see a projection of your score over the next 18 months.
Credit
Net Worth Calculator
Add up all your assets and liabilities to get your true financial picture. Track progress toward your net worth goals over time.
Net Worth
Grow Wealth
Grow and invest for the future
Build savings, project retirement, optimize your IRA, and discover your investment risk profile. Time is your greatest asset — put it to work.
Savings Goal Calculator
Set a target, choose a deadline, and see exactly how much to save each month. Includes compound interest modeling and multiple scenarios.
Savings
Retirement Calculator
Project your retirement nest egg. Model accumulation through your working years and drawdown through retirement with a 4% rule check.
Retirement
Roth vs. Traditional IRA Calculator
Compare after-tax wealth for both IRA types based on your current and expected retirement tax rates. Find which account wins for your situation.
IRA / Investing
Investment Risk Tolerance Quiz
12 questions to reveal your investor profile — conservative through aggressive — with a suggested asset allocation and investment strategy.
Investing
Child Education Savings Calculator
Project future college costs, model your 529 plan growth, and find the monthly savings rate to meet your education goals before tuition is due.
529 / Education
Social Security Benefits Estimator
Model your monthly benefit at every claiming age from 62–70, find your break-even point, and get a coordinated spousal claiming strategy.
Retirement
Buy Wisely
Buy homes, cars, and big things wisely
Model mortgage payments, compare renting vs. buying, and understand the true cost of financing before you sign anything.
Home Loan Calculator
Full mortgage breakdown with property tax, insurance, and PMI. See your amortization schedule and the true monthly cost of homeownership.
Mortgage
Rent vs. Buy Calculator
Compare the true long-term cost of renting against buying — including opportunity cost of the down payment. Find your break-even point in years.
Housing
Auto Loan Calculator
Calculate your exact monthly payment, total interest cost, and amortization schedule for any car loan. Compare loan terms side by side.
Auto Loan
Mortgage Lender Comparison
Enter quotes from multiple lenders side by side — fixed, ARM, or interest-only. Compare APR, total cost, points break-even, and export a full CSV report.
Mortgage
Protect Your Family
Protect what you've built
Insurance checklists, estate planning tools, identity protection, and beneficiary organizers — because a plan is only complete when it includes protection.
Insurance Needs Checklist
8 insurance types — health, life, disability, home, auto, umbrella, renters, and long-term care — each with a detailed coverage checklist.
Insurance
Estate Planning Checklist
36-item interactive checklist covering wills, trusts, powers of attorney, beneficiary designations, tax planning, and document organization.
Estate Planning
Will & Beneficiary Checklist
Audit every account and asset to ensure your will, retirement accounts, life insurance, and property all have up-to-date beneficiary plans.
Wills & Beneficiaries
Estate Planning Organizer
A secure, tabbed organizer for your personal info, key contacts, document locations, accounts, assets, and final wishes — saved only on your device.
Organizer
Long-Term Care Planning Estimator
Estimate future nursing home and assisted living costs in your region. Model LTC insurance, self-funding, and Medicaid strategies side by side.
LTC Planning
Identity Theft Risk Checklist
Get a live risk score that drops as you complete each protection. Covers credit freezes, 2FA, phishing, and monitoring across 5 categories.
Identity Protection
Insurance Needs Estimator & Comparison
Answer guided questions to calculate how much life, health, disability, home, auto, and umbrella coverage you need — then compare real quotes across providers side by side.
Insurance