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Free Financial Tools

Build better habits with the right tools

Interactive calculators and guides that turn financial concepts into action. No jargon, no upsells — just the tools you need to get started.

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Savings
Pay Yourself First

Enter your paycheck and instantly see your 50/30/20 split. Then watch how your savings compound into real wealth over 10, 20, and 30 years.

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Debt
Debt Paydown Planner

Add all your debts and compare the Avalanche vs. Snowball method side by side. See exactly how much interest you save and when you'll be debt-free.

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Investing
Why Index Funds Win

A plain-English explainer on why index funds beat most active funds — plus an expense ratio calculator that shows how fees quietly steal your returns.

Read + Calculate →
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Calculator
Compound Interest

Our flagship calculator. See how any investment grows over time with the power of compounding — the most important concept in all of personal finance.

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Simulator
Stock & Crypto Tracker

Paper-trade real stocks and crypto, join classroom groups to compare portfolios, and place positions in live prediction markets — without risking real money.

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Dollar Cost Averaging
Auto-Invest Simulator

Set a recurring investment in any asset — index funds, Bitcoin, ETH, bonds — and see exactly how it compounds year by year including fractional shares.

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Coming Soon
What Would You Do?

Short decision-tree scenarios: you get a $1,000 bonus — pay off debt, invest it, or build your emergency fund? See the long-term consequences of each choice.

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Weekly Newsletter

Money moves, explained.

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