Free money decision tools

No account needed. Start with estimates, get a clear answer, and create a free account when you want to save it and see your whole picture.

Not sure where to start? Browse by life moment.

Just starting out, a fresh start after divorce, helping your parents, or starting a business — find the right tool fast.

Next Money Move

Got a refund, bonus, or extra cash? Get a clear split — debt, emergency fund, investing, guilt-free.

Tax Refund Planner

What should you do with your refund? A clear split across debt, emergency fund, investing, and guilt-free.

Raise & Bonus Calculator

Got a raise or bonus? Put it to work — emergency fund, debt, 401(k) match, investing — before lifestyle creep.

Credit Card Payoff Planner

See your debt-free date, total interest, and the payment to finish on your timeline.

Student Loan Calculator

See your payoff date and total interest, and what extra payments or a shorter timeline would save.

Rent vs. Buy

Compare renting-and-investing against buying on total net worth over 30 years, with a break-even year.

Solar ROI

Net cost after incentives, payback, IRR — and whether solar beats just keeping the cash invested.

Savings Goal Planner

How much to set aside each month to hit a goal by a date — down payment, wedding, vacation, anything.

Budget Calculator

Turn your take-home pay into a conscious-spending split: essentials, guilt-free, and saving.

Trip Card Picker

Should you open a travel card before your trip? Honest match — and a hard no if you carry a balance.

Best Credit Card Finder

Find the card that fits how you actually spend — cash back, travel points, or low fees.

Estate Planning Snapshot

Educational: spot what may need review (will, beneficiaries, long-term care) and prep questions for a pro.

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