Free money tools

Plan your next money move
with simple tools

Use beginner-friendly calculators and planners for budgeting, emergency savings, debt payoff, investing, and choosing what to do next.

Decision hub

Choose the tool by the money problem.

Start with the decision in front of you, then use the matching calculator or planner. The tools are built for beginners in the United States and Canada.

5free tools
4decision steps
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Start with the quiz See all tools

Pick by decision

Use this map when you already know what you are trying to figure out.

No signup
01 I need a monthly planBuild a simple budget before choosing savings or debt goals. → 02 I need a cash safety targetEstimate starter, 3-month, and 6-month emergency savings. → 03 I want to pay off debtCompare payoff timelines and debt payoff methods. → 04 I want to model investingEstimate educational growth scenarios without guaranteed returns. →

Choose a free money tool

Pick the tool that matches the decision in front of you. Each tool is designed to be simple, practical, and easy to use at home.

Browse all guides
Best first step

Money Decision Tool

Answer four questions and get a beginner-friendly educational path for your next money move.

  • Good when you do not know whether to save, pay debt, invest, or learn first.
  • Includes United States and Canada paths.
  • Connects your result to related calculators and lessons.
Use the tool See lessons
Budgeting

Monthly Budget Planner

Estimate income, needs, wants, savings, debt payments, and money left over in one simple planner.

  • Use it before choosing a savings or debt payoff goal.
  • Download a simple comma-separated values (CSV) file with your results.
Open budget planner
Emergency savings

Emergency Fund Calculator

Estimate starter, 3-month, and 6-month emergency fund targets from your essential monthly expenses.

  • Helpful before deciding where to keep cash.
  • Useful for single-income, variable-income, and family budgets.
Calculate emergency fund
Debt payoff

Debt Payoff Calculator

Compare payoff timelines and see how extra monthly debt payments may affect your plan.

  • Compare the debt avalanche and debt snowball methods.
  • Add multiple debts and edit debt names.
Calculate debt payoff
Investing

Investment Calculator

Model how an initial amount, monthly contribution, time horizon, and assumed return can affect long-term growth.

  • Useful after high-interest debt and emergency savings are considered.
  • Shows educational scenarios, not guaranteed returns.
Use investment calculator

Learn before you act

Each tool works best with plain-English context. Use the lessons and videos when you want to understand the decision behind the number.

Money Lessons Videos Blog

Frequently asked questions

Quick answers about how these tools should be used.

Are these personal finance tools free?

Yes. The tools are free educational resources and work in your browser without a sign-up.

Which money tool should I use first?

If you are not sure, start with the Money Decision Tool. If you already know the problem, choose the budget planner, emergency fund calculator, debt payoff calculator, or investment calculator.

Do these tools replace a professional?

No. These tools provide general educational information only. They do not replace personalized guidance from a qualified professional.

Educational information only: These tools discuss budgeting, debt, investing, and money decisions for learning purposes. Results are estimates and examples, not guarantees or personalized guidance.