Money tools
Plug in your own numbers to see how everyday money decisions play out. Everything runs in your browser — nothing you type is saved or sent anywhere.
50/30/20 budget planner
Split take-home pay into needs, wants, and savings and see how your plan compares.
Give the remaining $100.00 a job: savings, a goal, or a buffer. The markers show the 50/30/20 guideline.
Savings goal timer
Find out how long it takes to reach a goal and what to save each week.
Interest is estimated with monthly compounding of the APY. Actual rates can change.
Compound interest explorer
Watch a balance grow year by year with deposits and compounding.
Rule of 72: at 6% money roughly doubles every 12.0 years. Illustration only: assumes a constant rate, no fees or taxes, and deposits at the end of each month. Returns are not guaranteed.
Credit utilization checker
Calculate how much of your available credit you are using.
Utilization is one factor in many credit scoring models; payment history also matters a lot. Paying in full each month avoids interest.
Debt payoff calculator
See how payment size changes payoff time and total interest.
Paying $60.00/mo
Paying $100.00/mo
Paying $40.00 more each month saves about $749.09 in interest and finishes 30 months sooner.
Assumes a fixed APR, no new charges, and no fees. Credit card minimum payments often change as the balance falls.
Start-early investing comparison
Compare the same monthly investment started at two different ages.
Hypothetical constant return for illustration only. Real investments rise and fall, can lose value, and have fees. This is not investment advice.
Paycheck estimator
Estimate gross pay, FICA, withholding, and take-home pay.
| Gross pay | $600.00 |
|---|---|
| Social Security + Medicare (FICA 7.65%) | −$45.90 |
| Federal income tax withholding | −$30.00 |
| State income tax withholding | −$18.00 |
| Net (take-home) pay | $506.10 |
Simplified estimate. Actual withholding depends on your W-4, filing status, and current tax rules; many teens with low income owe little or no federal income tax and may get withholding back by filing. See irs.gov.
Opportunity cost calculator
See what a regular purchase could grow to if saved instead.
This doesn't mean you should never treat yourself — it shows the tradeoff so the choice is intentional.
Education cost comparison
Compare two programs by net price and estimated loan payments.
Use each school's Net Price Calculator and current federal loan rates at studentaid.gov. A common guideline is to keep total student loans below your expected first-year salary.
Insurance plan comparison
Compare total yearly cost of two plans at different usage levels.
| Scenario | Low deductible | High deductible |
|---|---|---|
| Low use ($300) | $2,460 | $1,440 ✓ |
| Your estimate ($1,500) | $2,860 | $2,640 ✓ |
| Major event ($20,000) | $5,160 ✓ | $7,140 |
Simplified model: ignores copays, networks, and exclusions. Real policies differ, so read the plan's Summary of Benefits and Coverage.