Free personal finance tools for U.S. households

Simple calculators for clearer money decisions.

Plan debt payoff, emergency savings, budgets, mortgage payments, and retirement contributions with fast tools and plain-English guides.

Debt payoff Emergency fund Mortgage

A modern financial planning workspace with a laptop, notebook, and simple planning charts

Browser-based No sensitive account details required.

Plain formulas Calculations explained with examples.

Easy to revisit Guides and tools stay organized by money decision.

Calculator hub

Start with the decision in front of you.

Each tool is designed as a focused landing page with FAQs, examples, source notes, and related articles.

Debt

Debt Payoff Calculator

Compare snowball and avalanche payoff timelines, interest cost, and monthly targets.

Open calculator Savings

Emergency Fund Calculator

Estimate 3, 6, and 9 months of essential expenses based on your household needs.

Open calculator Budget

Monthly Budget Calculator

Break income into bills, debt, savings, and flexible spending without a spreadsheet.

Open calculator Home

Extra Payment Mortgage Calculator

Use it as an extra mortgage payment calculator to estimate payoff date and total interest saved.

Open calculator Goals

Savings Goal Calculator

Turn a target amount and deadline into a practical monthly savings number.

Open calculator Tracking

Net Worth Calculator

Add assets and liabilities to estimate a simple financial snapshot.

Open calculator Retirement

401(k) Contribution Calculator

Estimate annual deferrals, catch-up room, employer match, and total savings.

Open calculator Retirement

Roth vs Traditional IRA Calculator

Compare simplified after-tax outcomes under different tax assumptions.

Open calculator Housing

Rent vs Buy Calculator

Compare simplified renting and homebuying costs over your time horizon.

Open calculator Health benefits

HSA Contribution Calculator

Estimate 2026 HSA contribution room, employer deposits, and possible tax savings.

Open calculator Auto debt

Auto Loan Payoff Calculator

Estimate how extra payments may change your car loan payoff date and interest cost.

Open calculator Student debt

Student Loan Payoff Calculator

Estimate payoff time, interest cost, and savings from extra student loan payments.

Open calculator Retirement

Retirement Savings Goal Calculator

Estimate a target nest egg, projected savings, and monthly savings needed.

Open calculator Retirement income

Retirement Income Withdrawal Calculator

Estimate how long savings may last under withdrawal, return, and inflation assumptions.

Open calculator Investing

Taxable Investment Growth Calculator

Estimate taxable account growth, tax drag, capital gains tax, and after-tax value.

Open calculator Social Security

Social Security Break-Even Calculator

Compare early and later claiming ages, cumulative benefits, and break-even age.

Open calculator Inflation

Inflation and COLA Impact Calculator

Estimate future costs, COLA-adjusted value, and purchasing power gaps.

Open calculator Retirement healthcare

Healthcare Cost in Retirement Calculator

Estimate premiums, prescriptions, out-of-pocket care, inflation, and income share.

Open calculator Long-term care

LTC Calculator

Estimate long-term care costs, inflation, insurance benefits, income offsets, and funding gaps.

Open calculator

Guide library

Plain-English guides for the money questions behind the numbers.

Read practical explanations, see simple examples, then use the related calculator when you are ready to run your own scenario.

Budgeting How to build a simple monthly budget that you can actually use Housing budget How much rent can I afford? Savings and debt Emergency fund or pay off debt: what should come first? Credit cards Credit card minimum payment trap: why it costs so much Tracking What is net worth and how do you calculate it? Mortgage Should you pay extra on your mortgage? Retirement 2026 401(k) contribution limits in plain English Mortgage calculator How to use an extra payment mortgage calculator Housing Rent vs buy a home: what should you compare? Health benefits HSA vs FSA: which one should you use? Auto debt Is it bad to pay off a car loan early? Student debt How to choose a student loan repayment strategy Retirement How much should you save for retirement? Retirement income How to withdraw money in retirement Investing Taxable account investing basics Social Security When can I claim Social Security? Inflation Inflation, COLA, and purchasing power Retirement healthcare How to budget for healthcare costs in retirement Long-term care Long-term care planning in retirement

AI-assisted planning

Use AI for explanations, not risky predictions.

Future calculator pages can include optional AI summaries that explain results, compare scenarios, and create educational action plans without collecting sensitive financial credentials.

Example result Your debt-free date could move 11 months earlier.

Try adding $125 per month to the highest-interest balance first. This is an educational estimate, not financial advice.

Trust model

Clear, useful, and careful with financial topics.

WealthScope Hub is built around educational estimates, transparent formulas, source notes, and visible disclosures. The site should avoid stock picks, guaranteed returns, and personalized investment advice. Read the editorial policy.