Simple planners for everyday money questions

Financial tools that show you what to do next

Choose a tool based on the decision you are working through. Each one explains what to enter, what its estimate means, and what it leaves out.

Pick the closest match

What each tool helps you figure out

You can change your inputs and compare scenarios. No tool connects to a bank account or guarantees an outcome.

Money snapshot

Get an educational snapshot of your monthly cash flow, emergency savings, debt payments, and saving habits.

Use this when: You want a broad starting point and are not sure which area to work on first.
You’ll enter: Monthly take-home income, expenses, savings, debt payments, and a few planning answers.
You’ll see: A transparent score by topic, explanations, and practical links for your next step.

Cash flow

Map bills to paydays and estimate how much cash may remain before the next check arrives.

Use this when: Bill due dates and paydays do not line up neatly, or income arrives on a regular schedule.
You’ll enter: Take-home pay, payday frequency, next payday, starting cash, and bill due dates.
You’ll see: A cash-flow timeline for upcoming pay periods, with potential shortfalls highlighted.

Spending

See what recurring services cost monthly and yearly, then compare cancellation or lower-price scenarios.

Use this when: You want to review recurring charges or decide whether a price change is worth it.
You’ll enter: Service costs, billing frequency, renewal dates, and optional price changes you choose.
You’ll see: Monthly, annual, and modeled five-year costs for the scenarios you enter.

Planned expenses

Work out how much to set aside from each paycheck for a known upcoming bill or goal.

Savings buffer

Estimate a personal emergency-savings target from essential monthly expenses and a coverage period you select.

Use this when: You want to estimate a cash reserve for an unexpected expense or income disruption.
You’ll enter: Essential monthly costs, a coverage period you choose, and savings already set aside.
You’ll see: An estimated target and remaining savings gap; there is no one-size-fits-all target.