Smart money decisions, without the jargon.
Free calculators, plain-English guides and expert help for loans, mortgages, debt, saving, investing and retirement — in your currency.
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Financial calculators
Instant answers with charts and year-by-year schedules.
Mortgage
Estimate your monthly mortgage payment including taxes and insurance, with a full amortisation schedule.
Calculate →Compound Interest
See how savings and investments grow over time with compounding and regular contributions.
Calculate →Loan & EMI
Calculate the monthly payment (EMI) and total interest on personal, car or education loans.
Calculate →Home Affordability
Find a realistic home price based on your income, debts, down payment and today's rates.
Calculate →Retirement
Project your retirement savings, adjust for inflation, and find any monthly shortfall.
Calculate →Savings Goal
Work out how much to save each month to reach a goal by a specific date.
Calculate →Debt Payoff (Avalanche vs Snowball)
Compare avalanche and snowball strategies across up to three debts and see your debt-free date.
Calculate →Credit Card Payoff
See how long it takes to pay off a card balance and how much interest you'll pay.
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Plain-English money guides
Budgeting 101: Build a Budget You'll Actually Keep
A practical, step-by-step method to build a monthly budget in under an hour — and the three rules that keep it working.
Read guide →CreditCredit Scores Explained: What Moves Your Score and How to Raise It
The five factors behind your credit score, how much each one matters, and a 90-day plan to improve it.
Read guide →SavingHow Big Should Your Emergency Fund Be? A Simple Formula
How to size, build and store an emergency fund — with a formula that adjusts for job stability, dependants and debt.
Read guide →InvestingIndex Funds for Beginners: The Low-Cost Way to Invest
What index funds are, why low fees compound into huge differences, and how to pick and start one.
Read guide →HomeMortgage Basics: How Home Loans Work Before You Apply
Rates, terms, down payments and the hidden costs of buying a home — explained simply, with the numbers lenders use.
Read guide →DebtAvalanche vs Snowball: The Fastest Way to Pay Off Debt
Compare the two proven debt payoff strategies, see which saves more, and build a plan that sticks.
Read guide →Money lessons in minutes
Hand-picked videos from respected educators, paired with our guides and calculators so you can apply each idea immediately.
Open the video libraryHow healthy are your finances?
Answer 8 questions and get a score with your top three priorities — and the exact tools to fix them.
Take the money check-upSample result: “Strong saver — next step: cut card interest and automate investing.”
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Which countries is this for?
Our tools work in multiple currencies (USD, CAD, EUR, GBP, AUD, INR, LKR) and our guides explain principles that apply everywhere, with country notes where rules differ.
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