Financial calculators for people starting from scratch

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

Spending & Credit Save & Grow Home & Housing Cars & Transportation

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Start here — these apply to almost everyone

Budget Calculator

See exactly where your money goes each month and what you have left after every bill.

Salary Converter

Convert your annual salary to hourly, weekly, and monthly pay. Useful when comparing job offers or checking your rate.

Tax Refund Estimator

Grab your W-2 and get an estimate of your federal refund or balance due before you file.

Spending & Credit

Track what you spend and manage payment plans

Credit Card Spending Analyzer

Import your statements and see what you actually spent, broken down by category and averaged by month.

BNPL Payment Calculator

Add your Afterpay, Klarna, and Affirm plans to see your total weekly owed and when payment spikes are coming.

Save & Grow

Build savings and plan for your financial future

Savings Calculator

Put in your starting amount and monthly contribution to see where you'll be in 5, 10, or 20 years.

Retirement Contribution

Find the exact payroll percentage to hit your retirement limit before the year ends.

Home & Housing

Calculate mortgage payments and home buying costs

Home Affordability Calculator

Enter your income, debts, and down payment to find your real price range before you start looking.

Mortgage Calculator

Enter a home price and loan details to see your monthly payment and total interest over the life of the loan.

Mortgage Rate Finder

Got a monthly payment quote but not the rate? Enter what you know and we'll calculate the rest.

Cars & Transportation

Understand car loans and payoff strategies

Car Loan Calculator

See your monthly payment and total interest before you sit down with a dealer.

Car Loan Payoff

See how much time and money you save by adding a little extra to your car payment each month.

Recent articles

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Tax Basics · 6 min read

What It Means to Claim a Dependent on Your Taxes (And Who Qualifies)

Claiming a dependent can lower your tax bill or increase your refund — but most people don't know who qualifies. This guide covers children, parents, and relatives you financially support, including immigrant parents and younger siblings.

Tax Basics · 6 min read

Tax Filing Status Explained: Single, Married Filing Jointly, and Head of Household

Your filing status affects how much you pay in taxes and how big your refund is. This guide explains each status in plain English — and covers Head of Household, the status most people who support a parent or sibling don't know they qualify for.

Tax Basics · 6 min read

How to File Your Taxes for the First Time (When No One Showed You How)

Never filed taxes before? This guide explains what a W-2 is, which boxes actually matter, and the difference between getting a refund and owing money — using plain language your employer never gave you.

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