Tools
Free money tools
No sign-up to use. No bank linking, ever. Built for people who actually watch their money — metals, inflation, rates, and your own private dashboard.
Live prices
Gold price Live Live gold spot price per troy ounce, tracked through the trading day. Open Silver price Live Live silver spot per troy ounce, plus coin and bullion melt values. Open Bitcoin price Live The live Bitcoin price in USD, refreshed in real time. Open Ethereum price Live The live Ethereum price in USD, refreshed in real time. Open
Markets & rates
Today’s rates Live Live mortgage, Treasury, Fed funds and I-Bond rates — the benchmarks behind every loan and savings decision. Open Metals desk Live Live gold & silver spot, plus the gold-silver ratio metals investors trade on. Open Currency converter Live Convert USD, EUR, GBP, JPY and more at live, daily mid-market rates. Open US debt clock Live The national debt ticking in real time — who it’s owed to, and your share per person. Open Is the stock market open? Live Is the market open right now? Live NYSE status, today’s hours and the countdown to the next bell. Open
Taxes & income
Income tax calculator Live Refund or owe? Federal tax, effective & marginal rates from the real IRS brackets. Open Take-home pay calculator Salary to paycheck — federal tax, Social Security and Medicare taken out. Open Salary calculator Convert any pay rate across periods — hourly, weekly, biweekly, monthly and annual, all at once. Open Sales tax calculator Live The real combined sales-tax rate for any US ZIP — state, county, city and special district — on any purchase. Open Minimum wage by state Live Every state’s minimum wage, tipped wage and full-time annual equivalent — versus the federal floor. Open Raise vs. inflation Did your pay rise beat inflation? See your real, inflation-adjusted raise. Open
Home & loans
Mortgage calculator Full monthly payment with tax, insurance & PMI, plus lifetime interest. Open Amortization calculator The full year-by-year payment schedule for any fixed loan — principal, interest and balance, line by line. Open Home affordability calculator How much house can you afford? The 28/36 rule, from your income to a max price. Open Down payment calculator How much to put down on a home — loan size, PMI, and how long it takes to save at every down-payment level. Open Rent vs. buy calculator Is buying cheaper than renting? Compare the true cost over your timeline and find the breakeven. Open Refinance calculator Should you refinance? Monthly saving, months to break even, and lifetime interest. Open Early payoff calculator Extra payments on a mortgage or installment loan — see the years and interest they cut. Open APR calculator The true cost of a loan once fees are baked in — turn a rate plus closing costs into the real APR you actually pay. Open Debt-to-income calculator The DTI ratio lenders use to decide what you qualify for — and where you land on their scale. Open Personal loan calculator Monthly payment, total interest and total repaid on a personal loan at any rate and term. Open Car payment calculator Work out the monthly payment, amount financed and total interest before you set foot on the lot. Open Debt payoff planner List every debt and watch snowball vs. avalanche race to your debt-free date. Open Credit card payoff calculator How long to clear a card balance — and how much faster (and cheaper) if you pay a little more. Open Student loan calculator Your student-loan payment, total interest and payoff date — and how much faster a little extra clears it. Open Solar savings calculator Estimate rooftop solar payback and 25-year savings after the federal tax credit. Open
Investing & retirement
Investment growth calculator Project what regular investing becomes — watch compounding overtake your contributions. Open Retirement calculator On track to retire? Project your total nest egg and the income it could provide, using the 4% rule. Open 401(k) calculator Project your 401(k) to retirement — your contributions, the employer match, and compounding growth. Open Roth IRA calculator Project a Roth IRA to retirement — every dollar of growth comes out tax-free. Open Compound interest calculator The classic compound-interest formula — any balance, any compounding frequency, principal vs. interest. Open ROI calculator Total and annualized return on any investment — what you put in vs. what you got back, and the yearly growth that implies. Open Cap rate calculator Gauge a rental property’s return — net operating income over price — before you buy. Open
Saving & inflation
Where to park cash Compare savings, I-Bonds and T-bills over your timeline, beat inflation. Open CD calculator What a certificate of deposit pays at maturity — compare terms and build a CD ladder. Open Budget calculator (50/30/20) Split your take-home pay into needs, wants and savings with the 50/30/20 rule. Open Savings goal calculator How much to set aside each month — and week — to hit a savings goal by your deadline. Open Emergency fund calculator The 3–6 month cushion that covers you if income stops — and how far along you already are. Open Inflation calculator What old money is worth now — and what today’s cash will buy later. Open
Everyday money
Credit score estimator Estimate your FICO score from the five factors that count — and see the one move that helps most. Open Invoice generator Build a clean invoice and download a polished PDF. Free account unlocks export + saving. Open Check writer Fill out and print a check — amount auto-written in words, MICR line, PDF export. Open Routing number lookup Look up which bank a 9-digit routing number belongs to, and where. Open SWIFT code lookup Find the bank and branch behind an 8- or 11-character SWIFT/BIC code. Open
Track your money
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