
Bills, groceries, subscriptions
Tool workbench
Start with a real situation, then open the tool. The directory below stays compact on purpose: less browsing, more deciding.

One tool, one decision
Budget, debt, credit, housing, investing. Keep the math close to the life moment.
Start with the situation
These are curated entry points, not fake testimonials. Pick the closest one and move from there.

Bills, groceries, subscriptions

Balances, APRs, payoff route

Apartment, car, home choices

Compounding, allocation, fees
Start here
Understand where your paycheck goes
Best first use
Use first when income feels harder to read than it should.
Stress level
Decision support
Access
Free
| Tool | Pressure | Access | Move |
|---|---|---|---|
Side Income TrackerTrack gig income and true hourly rate | Decision support | Plus | |
Employer Benefits AnalyzerFind underutilized workplace benefits | Decision support | Plus | |
Equity CompensationRSUs, options, and ESPP strategies | Decision support | Pro |
Start here
Create a monthly budget with 50/30/20 guidelines
Best first use
Use first when you need a clear snapshot of the month.
Stress level
Decision support
Access
Free
| Tool | Pressure | Access | Move |
|---|---|---|---|
Grocery Budget PlannerPlan meals and track grocery spending | Decision support | Free | |
Subscription TrackerFind and cut unnecessary subscriptions | Decision support | Free | |
Tip & Bill SplitterCalculate tips and split bills with friends | Low-pressure | Free | |
Impulse Purchase PauserSee what impulse buys could become if invested | Decision support | Free | |
Gas & Commute CalculatorCalculate monthly commute costs and compare options | Decision support | Free | |
Unit Price ComparatorCompare prices per unit to find the best deal | Low-pressure | Free | |
Moving Cost EstimatorEstimate total costs of moving to a new place | Decision support | Free | |
Coupon & Discount CalculatorStack discounts and see your real savings | Low-pressure | Free | |
Cash Flow TrackerTrack monthly income vs. expenses and net cash flow | Decision support | Free | |
Expense TrackerTrack and categorize your daily expenses | Decision support | Free | |
Exception TrackerTrack 'one-time' expenses and see the real pattern | Decision support | Free | |
Break-Even CalculatorCalculate the break-even point for business or investment decisions | Decision support | Plus | |
Opportunity Cost CalculatorCalculate the true cost of financial decisions | Decision support | Plus | |
Group Bill SplitterItemize and split bills among groups with tip calculation | Low-pressure | Plus |
Start here
Track progress toward your safety net
Best first use
Use first when you want a starter target, not a perfect plan.
Stress level
Decision support
Access
Free
| Tool | Pressure | Access | Move |
|---|---|---|---|
Savings Goal TrackerTrack progress toward specific goals | Decision support | Free | |
Inflation CalculatorSee how inflation erodes purchasing power over time | Decision support | Free | |
Rule of 72Quickly estimate how long it takes to double your money | Low-pressure | Free | |
Savings Rate CalculatorCalculate your path to financial freedom | Decision support | Plus |
Start here
Compare snowball vs avalanche strategies
Best first use
Use first before a payment, balance, or application becomes urgent.
Stress level
Higher-stakes
Access
Free
| Tool | Pressure | Access | Move |
|---|---|---|---|
Debt InventoryGet a complete picture of all debts | Higher-stakes | Free | |
Credit Score ExplainerUnderstand the 5 factors affecting your score | Higher-stakes | Free | |
Credit UtilizationCalculate and optimize your credit usage | Higher-stakes | Free | |
Car Affordability CalculatorFind out how much car you can afford based on your income | Higher-stakes | Free | |
Debt-Free DateCalculate your exact payoff date | Higher-stakes | Plus | |
Loan Comparison ToolCompare multiple loan offers side by side | Higher-stakes | Plus | |
Student Loan PlannerCalculate and compare student loan repayment strategies | Higher-stakes | Plus | |
Mortgage CalculatorCalculate mortgage payments, amortization, and total cost | Higher-stakes | Plus | |
Auto Loan CalculatorCalculate monthly auto loan payments and total interest | Higher-stakes | Plus |
Start here
Personalized next steps for your situation
Best first use
Use first when a rule, date, or document could change the outcome.
Stress level
Decision support
Access
Free
| Tool | Pressure | Access | Move |
|---|---|---|---|
Bill CalendarTrack due dates and set reminders | Decision support | Free | |
Scam Red Flag CheckerIdentify predatory products and scams | Decision support | Free | |
Tax Bracket CalculatorUnderstand marginal vs effective rates | Higher-stakes | Plus | |
HSA Strategy GuideTriple tax advantage explained | Decision support | Plus | |
Estate Planning ChecklistEssential documents and decisions | Higher-stakes | Pro | |
Beneficiary AuditReview and update beneficiaries | Higher-stakes | Pro | |
Charitable Giving OptimizerTax-efficient donation strategies | Decision support | Pro | |
529 Plan AnalyzerCollege savings projections | Decision support | Pro | |
Tax Withholding EstimatorOptimize your W-4 settings | Higher-stakes | Pro |
Start here
See the power of compound growth
Best first use
Use first when you want to see the tradeoff before adding risk.
Stress level
Decision support
Access
Plus
| Tool | Pressure | Access | Move |
|---|---|---|---|
401(k) OptimizerMaximize your employer retirement match | Decision support | Plus | |
Roth vs TraditionalWhich retirement account is right for you? | Decision support | Plus | |
Retirement ProjectorProject your retirement savings growth | Decision support | Plus | |
Investment SimulatorPractice investing with paper trading | Decision support | Plus | |
Asset Allocation HelperAge-appropriate investment mix | Decision support | Plus | |
Portfolio TrackerTrack holdings with real-time prices and gain/loss | Decision support | Plus | |
Dividend TrackerTrack and project dividend income from your portfolio | Low-pressure | Plus | |
Stock ScreenerFilter stocks by sector, market cap, P/E ratio, and dividend yield | Decision support | Plus | |
Options Profit CalculatorVisualize profit/loss for any options strategy | Decision support | Pro | |
Portfolio AnalyzerAnalyze allocation, exposure, and risk | Decision support | Pro | |
Asset Location OptimizerOptimize investments across account types | Decision support | Pro | |
Tax-Loss HarvestingIdentify tax-saving opportunities | Decision support | Pro | |
Backdoor Roth GuideStep-by-step for high earners | Decision support | Pro | |
Mega Backdoor RothAdvanced retirement contribution strategy | Decision support | Pro | |
Real Estate InvestmentAnalyze rental property returns | Decision support | Pro | |
Alternative InvestmentsTrack non-traditional assets | Decision support | Pro | |
Investment Fee AnalyzerSee the true cost of fees over time | Decision support | Pro | |
Bond Yield CalculatorCalculate bond returns and yields | Decision support | Pro | |
Bond Ladder BuilderCreate a diversified bond portfolio | Decision support | Pro | |
Capital Gains CalculatorCalculate short-term and long-term capital gains taxes | Higher-stakes | Pro |
Start here
Calculate sustainable family financial support
Best first use
Use first before a family request turns into a standing obligation.
Stress level
Higher-stakes
Access
Free
| Tool | Pressure | Access | Move |
|---|---|---|---|
Family Financial DashboardSoonHousehold finances at a glance | Decision support | Pro | |
Generational Wealth PlannerBuild wealth for future generations | Higher-stakes | Pro |
Start here
Compare renting vs buying over time
Best first use
Use first when you need a baseline for long-term progress.
Stress level
Higher-stakes
Access
Plus
| Tool | Pressure | Access | Move |
|---|---|---|---|
Net Worth CalculatorCalculate assets minus liabilities | Decision support | Free | |
Net Worth TrackerTrack net worth over time with trends | Decision support | Plus | |
House AffordabilityHow much house can you afford? | Higher-stakes | Plus | |
Financial SnapshotComplete overview of your current financial health | Decision support | Plus | |
Account DashboardSoonConnect and sync all your accounts | Decision support | Pro | |
FIRE CalculatorPlan your path to financial independence | Decision support | Pro | |
Withdrawal StrategyPlan retirement account withdrawals | Higher-stakes | Pro | |
Social Security OptimizerMaximize your SS benefits | Decision support | Pro | |
Net Worth ProjectionProject wealth growth over decades | Decision support | Pro | |
Retirement Income PlannerPlan sustainable retirement withdrawals | Decision support | Pro | |
RMD CalculatorCalculate Required Minimum Distributions from retirement accounts | Decision support | Pro | |
Monte Carlo SimulatorSimulate thousands of retirement scenarios to test your plan | Decision support | Pro | |
Lean FIRE CalculatorCalculate your path to financial independence on a lean budget | Decision support | Pro | |
Fat FIRE CalculatorPlan for financial independence with a luxury lifestyle | Decision support | Pro | |
Barista FIRE CalculatorPlan part-time work with partial financial independence | Decision support | Pro | |
Coast FIRE CalculatorFind when compound growth alone reaches your retirement goal | Decision support | Pro |