Financial calculators for people starting from scratch

Free tools to help you budget, save, and plan major purchases. No signup required.

Get Started Save & Grow Home & Housing Cars & Transportation

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Essential tools for tracking expenses and managing payments

Budget Calculator

See where your money goes. Track what comes in and what goes out each month.

BNPL Payment Calculator

Track all your Afterpay, Klarna, and similar payment plans in one place. See what you owe each week.

Save & Grow

Build savings and plan for your financial future

Savings Calculator

See how much you'll have if you save a little each month. No tricks, just math.

Retirement Contribution

Figure out what percentage of your paycheck to put toward retirement to max out by year-end.

Home & Housing

Calculate mortgage payments and home buying costs

Mortgage Calculator

See what your monthly mortgage payment would be for any home price.

Cars & Transportation

Understand car loans and payoff strategies

Car Loan Calculator

See what your monthly car payment would be before you sign anything.

Car Loan Payoff

See how paying extra each month gets you out of debt faster.

Recent articles

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Credit & Loans · 7 min read

What Will This Loan Really Cost Me?

Beyond the monthly payment - learn how to calculate the true cost of any loan including total interest paid. See how loan terms and interest rates dramatically affect what you'll actually pay.

Credit & Loans · 7 min read

What Car Can I Realistically Afford?

A practical guide to understanding what car you can truly afford - from calculating your budget to understanding the 15% rule. Learn how to balance monthly payments with insurance, gas, and total debt to make confident car-buying decisions.

Debt Management · 6 min read

How to Pay Off Your Car Loan Faster (Without Breaking Your Budget)

Discover how small extra payments can save you hundreds in interest and get you debt-free months sooner. Every extra dollar you put toward your car loan gets you closer to financial freedom.

Built for first-generation earners and anyone who never got real financial guidance.