Free & private
The Toolbox
Simple tools to help you make sense of your own money. Every calculator runs entirely in your browser — nothing you type is sent anywhere, and you can take your numbers with you.
Confused by a money word? Browse the glossary →
Calculators
Interactive tools you can use right now. Change the numbers and the answer updates as you go.
50/30/20 splitterSee how your monthly take-home splits across needs, wants, and savings.Emergency fund sizerFind your 3- and 6-month safety-net target — and how long it takes to reach it.Compound growthSee what steady monthly saving could grow into over time.Debt payoff planner (avalanche vs. snowball)Build a plan to clear your debts — and compare two proven strategies.Loan comparisonPut two loan offers side by side and see which really costs less.Paycheck decoderSee where your paycheck goes and what actually lands in your account.Cost of creditSee the real price of buying on credit — the monthly payment and total interest.Should I consolidate?Compare paying minimums vs. one consolidation loan, and see what it saves.Retirement readinessCheck whether your savings are on track for the retirement you want.Savings goalFind the monthly amount that gets you to a savings goal by your deadline.Save a millionSee how long steady saving takes to reach a million — or any big target.
Loan affordability (salary needed)
College cost projector
Worksheets
Printable and spreadsheet templates to organize your money by hand. Downloads are on the way.
Monthly budget builderA ready-to-use monthly budget spreadsheet — type in what you earn and spend, and it does the math for you.
Net worth tracker
Benefits inventory
Insurance inventory
Card comparison sheet
My spending rules
Dispute letter builder
Validation demand letter
Collector call log
Family money check-in
Award letter decoder
Checklists
Step-by-step lists for the moments that matter — a new job, a big purchase, locking down after fraud.
New job money setup
Big purchase pre-check
Credit report review
Fraud lockdown
Important documents kit
Scam pre-flight check
Sued-over-a-debt response