Money Tools
The Debt Payoff Calculator That Compares Both Methods
Enter your debts to see avalanche and snowball repayment schedules side by side. Compare total months to freedom, total interest paid, and the exact dollar gap.
5 min read
The library
5 plain-English reads on budgeting, saving, investing, debt, credit and taxes. Newest first unless you say otherwise.
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Money Tools
The Expense Ratio Calculator That Shows Thirty Years of Fees
A small 0.85% expense ratio looks harmless on a fund prospectus. Over thirty years of investing, that fraction of a percent costs over $100,000 in lost wealth.
4 min read
Money Tools
The Emergency Fund Calculator That Sizes Your Own Number
Two inputs determine your cash reserve: essential monthly expenses and income stability. Here is the formula that turns generic advice into an exact dollar target.
4 min read
Money Tools
The Sinking Fund Calculator
Enter your upcoming irregular expenses, target amounts, and due dates to calculate the exact monthly savings required. Here is how the math keeps your budget afloat.
5 min read
Investing
Expense Ratios: What 0.85% Actually Costs You
0.85% sounds like nothing, and for the first year it is: about $19. Over thirty years of $400 a month it is $70,624, which is more than fourteen years of the contributions themselves.
7 min read
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