Free Financial Resources

Federal income tax brackets, standard deductions, Social Security limits, and 401(k)/IRA contribution limits — with worked examples for different income levels.

• Standard deduction: $14,600 (single)
• 10%–37% federal tax brackets with income ranges
• 401(k) limit: $23,000 ($30,500 if 50+)
• Roth IRA limit: $7,000
• Social Security wage base: $168,600
• FICA: 7.65% employee rate explained

A step-by-step guide from saving your down payment to closing day — covering pre-approval, PMI, closing costs, inspections, and the real timeline of buying a home in the US.

• Down payment: 3% FHA vs 20% conventional
• Pre-approval vs pre-qualification difference
• Closing costs: what to expect (2–5%)
• PMI: when you need it and how to remove it
• Home inspection: what to look for
• Timeline from offer to keys

Monthly income and expense tracker with automatic calculations for savings rate, discretionary spend, and progress toward financial goals.

• Monthly income tracking
• Fixed vs variable expenses
• Savings rate calculator
• Emergency fund progress
• Spending category breakdown

How much should you have saved by age? Covers 401(k) vs Roth IRA, employer match strategy, catch-up contributions, and when to claim Social Security for the highest benefit.

• Retirement savings benchmarks by age
• 401(k) vs Roth IRA: tax-now vs tax-later explained
• Always max your employer match first — it's free money
• Catch-up contributions: $7,500 extra after 50
• Social Security: when to claim for maximum benefit

Understand the Avalanche vs Snowball methods, see how much extra payments save you in interest, and build a step-by-step plan to become debt-free.

• Avalanche vs Snowball: the maths and psychology
• How minimum payments cost you thousands extra
• Balance transfer cards: how to use them correctly
• Debt consolidation: when it makes sense
• Free debt help: StepChange, NFCC options

Map out your federal loans, compare IDR plans vs standard repayment, check PSLF eligibility, and understand when refinancing makes sense.

• Standard vs Income-Driven Repayment compared
• PSLF: who qualifies and how to apply
• Refinancing: when to do it and when not to
• Forgiveness timelines: 10yr, 20yr, 25yr plans
• Parent PLUS loans: repayment options