78 free tools
Free calculators, money quizzes, and printable worksheets for the decisions that matter. No signup, no spam — just the math.
Not sure where to begin? A few honest questions, scored into clear next steps.
12 questions across budgeting, savings, debt, retirement, and insurance — get your money health tier and next steps.
10 questions on savings, contributions, and plan clarity — scored into an honest retirement readiness tier.
An 8-question complexity check — see whether DIY, a one-time plan review, or a fee-only advisor fits.
8 questions on job stability, dependents, and safety nets — get a recommended cushion of 3, 6, 9, or 12 months.
Give every dollar a job — and find the leaks.
Split your take-home with the 50/30/20 rule and see where it's leaking.
Compare your spending on housing, transport, food, debt, and savings to recommended benchmarks.
Add up your subscriptions and see what that money becomes if invested.
The salary you'd need in a new city to keep your current lifestyle.
Total the season, split it into a monthly plan, and skip the January bill.
Allocate your budget by line item and see the cost of every guest.
DIY vs. movers, by distance and home size — with the surprise buffer.
Income, fixed, and variable expense rows with planned vs. actual columns and live totals.
Every subscription, its true annual cost, and a keep/cancel/negotiate decision — with cancel scripts.
Run a no-spend month: mark each successful day on the calendar grid, watch your streak grow, and set your own allowed / not-allowed rules.
Every bill across all 12 months in one grid — due days, amounts, autopay flags, and a tick box for each month paid.
A semester budget that ends in one useful number: your weekly spending money. Aid, family help, and job income minus fixed and flexible costs.
What your pet really costs per year — food, routine vet care, insurance vs. a self-insure fund — plus an emergency vet fund thermometer.
Budget by paycheck: plan each check's bills, spending, and savings before the next one lands, with a live monthly rollup.
Emergency funds, savings goals, and making your cash earn its keep.
Work backwards from a date and a dollar amount to a monthly plan.
How many months of expenses you should hold — and when you'll get there.
What your savings earn at a real APY vs. a typical big-bank rate.
What a certificate of deposit is worth at maturity at your APY and term.
Split your cash across rungs, see the blended APY vs. a savings account.
Convert between stated and effective rates at any compounding frequency.
Interest on principal only, side by side with monthly compounding to see the gap.
Your true savings rate — and the years to financial independence it buys.
Set a goal and fill a 20-box milestone grid — each box is 5% saved.
Name a goal, set a target and date, and get the weekly deposit that hits it.
Save $1 in week one, $52 in week 52 — check off weeks with a running total, pick a 2x or 5x level, and print the classic color-in chart.
Six named buckets for expenses you know are coming — car repairs, Christmas, vacation — with targets, monthly set-asides, and live totals.
A gift budget for every person on your list plus a color-in thermometer — aim to have the holiday fund full by October 31.
Payoff dates, real interest costs, and the fastest route to zero.
Snowball vs. avalanche: your debt-free date and total interest, compared.
Your payoff date, total interest, and what minimum payments really cost.
What your balance really costs at your APR — and the minimum-payment trap, quantified.
Front-end and back-end DTI, plus where you stand against lender limits.
Monthly payment, payoff date, and what extra payments save in interest.
Monthly payment, total interest, and the 20/4/10 rule reality check.
One number for all your debt: the month you're done, and how to move it up.
List debts, get an automatic snowball payoff order, and color in progress grids as balances fall.
What you can afford, what it really costs, and every step to the keys.
Monthly payment, total interest, and what extra payments really save.
How much sooner extra payments make you mortgage-free — and the interest they save.
How much house you can afford with the 28/36 rule — and a reality check.
The honest math on renting vs. owning for your timeline and market.
How much rent you can afford — the 30% rule adjusted for your real debts.
Your down payment goal, months to get there, and the PMI line at 20%.
Monthly savings, break-even month, and whether refinancing pays off.
From 12 months out to move-in day — every step, in order.
Every address change, deposit, and cancellation, 8 weeks out to done.
From your first 401(k) contribution to claiming Social Security.
Your retirement number, whether you're on track, and your Coast FIRE age.
Project your 401(k) at retirement — contributions, employer match, and growth, stacked.
The free money you're capturing — or leaving on the table — every year.
What steady Roth IRA contributions grow into — all of it tax-free in retirement.
Pay taxes now or later? Compare after-tax retirement values side by side.
This year's Required Minimum Distribution from the IRS table, plus a 10-year projection.
Turn a lump sum into monthly income, or project what steady contributions accumulate to.
How claiming age changes your check, with break-even ages by longevity.
Your financial independence number, years to FI, and Coast FIRE age.
Compound growth, dividends, and the one number that sums it all up.
See what monthly investing becomes over decades with compound growth.
Dividend income year by year — with growth and optional reinvestment snowballing it.
How many years it takes your money to double at any return rate.
What today's dollars will actually buy in 10, 20, or 40 years.
How long an upfront purchase takes to pay for itself in monthly savings.
Add up what you own, subtract what you owe — the one number that matters.
Two-column assets and liabilities form with computed net worth and quarterly tracking.
Will your 529 cover the bill? Coverage percent and the monthly gap.
What you actually take home — and what the IRS takes.
Real take-home pay after taxes, FICA, 401(k), and benefits — with state-specific versions for all 50 states + DC.
What your side hustle truly pays per hour after expenses and taxes.
Convert an hourly wage to annual salary and back — with your real rate after unpaid time.
What a raise really adds to your paycheck after taxes and 401(k).
Estimate federal tax on a sale — short-term vs. long-term, 2026 brackets.
Every document to gather before you file — income, deductions, credits, life events.
Insurance, estate basics, and checklists for life's big transitions.
How much coverage your family actually needs, with the DIME method.
The documents, designations, and conversations to check off.
Insurance windows, leave planning, 529s — before and after arrival.
Severance, health coverage, unemployment, budget triage — in order.
Tax moves, benefits elections, and the December deadlines that matter.
Set the wedding fund goal, see it split across venue, photo, attire and more, and fill the thermometer with monthly deposits.
One-time gear costs, the new monthly budget (diapers, childcare, insurance), and a baby fund thermometer to fill before the due date.
Print-ready budgets, savings challenges, debt and bill trackers, and audit worksheets — download, print, and fill in by hand.
Income, fixed, and variable expense rows with planned vs. actual columns and live totals.
Every subscription, its true annual cost, and a keep/cancel/negotiate decision — with cancel scripts.
Run a no-spend month: mark each successful day on the calendar grid, watch your streak grow, and set your own allowed / not-allowed rules.
Every bill across all 12 months in one grid — due days, amounts, autopay flags, and a tick box for each month paid.
A semester budget that ends in one useful number: your weekly spending money. Aid, family help, and job income minus fixed and flexible costs.
What your pet really costs per year — food, routine vet care, insurance vs. a self-insure fund — plus an emergency vet fund thermometer.
Budget by paycheck: plan each check's bills, spending, and savings before the next one lands, with a live monthly rollup.
Set a goal and fill a 20-box milestone grid — each box is 5% saved.
Name a goal, set a target and date, and get the weekly deposit that hits it.
Save $1 in week one, $52 in week 52 — check off weeks with a running total, pick a 2x or 5x level, and print the classic color-in chart.
Six named buckets for expenses you know are coming — car repairs, Christmas, vacation — with targets, monthly set-asides, and live totals.
A gift budget for every person on your list plus a color-in thermometer — aim to have the holiday fund full by October 31.
List debts, get an automatic snowball payoff order, and color in progress grids as balances fall.
Two-column assets and liabilities form with computed net worth and quarterly tracking.
Set the wedding fund goal, see it split across venue, photo, attire and more, and fill the thermometer with monthly deposits.
One-time gear costs, the new monthly budget (diapers, childcare, insurance), and a baby fund thermometer to fill before the due date.
Connect your real accounts and Worth runs these numbers on your actual data — automatically, every day.
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