· Money tools
Tools that do the actual math for you.
Calculators, worksheets, quizzes, and games that turn a money question into a real number. Free, no signup, and every figure shows its work.
40interactive money tools · 21 calculators, 6 worksheets, 5 quizzes, 7 games, plus study cards
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Interactive games / play right in the browser.
7 games
Real money situations, illustrative numbers, and the math that shows what each call actually costs.
NewInflation RunPrices climb every year. Fight for a raise that keeps pace, or watch your paycheck quietly buy less.Open NewSpot the Bad Deal: Loan EditionGood deal or bad deal? Swipe through real financing offers before the timer runs out, and learn the traps.Open NewEmergency Fund SurvivorLife keeps sending surprise bills. Cover them from your fund or feed a growing card. Last 24 months.Open NewThe 40-Year RunSteer the same paycheck from 25 to 65. See how far good calls take you compared with doing nothing.Open NewSpot the ScamA text, a bank alert, a DM, a call. Flag each one legit or a scam before the timer, then learn the tell.Open NewDecade DashTen years, one money decision a year, against an average player who makes the common mistakes.Open
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Calculators / run the math.
21 calculators
Type your numbers, get the real answer, and open the math to see exactly how.
My NumbersA net worth, debt, and emergency fund tracker that never sees your money. No account, no bank link, everything stays in your browser.Open The Money CalendarEvery date that costs you money if you miss it: tax deadlines, the eight Fed decision days, Medicare and ACA enrollment, I bond resets, and year-end cutoffs, each with its source.Open The Paycheck DecoderA sample paystub where every line explains itself in plain English: gross pay, taxes, Social Security, Medicare, your 401(k), and net pay. Click any line.Open SourcedThe Trump Account Real Cost CalculatorSee what a Trump Account's $1,000 government seed is actually worth: the poster projection next to the same balance in today's dollars, before tax.Open The 18th Birthday RevealProject a 529 plan and a UTMA / UGMA account side by side from a child's birth to the state's age of majority, with a what-happens-at-18 trade-off card.Open The Real Cost of Waiting, Kid EditionSame monthly contribution, three start ages (birth, 5, 10). The dollar gap at 18 is the compounding cost of waiting.Open SourcedKiddie Tax Estimator (2026 bands)Federal kiddie tax split across the three 2026 IRS bands per Rev. Proc. 2025-32 Sec. 4.02. Education only, not a tax return.Open Retirement Reality CheckA free Monte Carlo simulator. Run your retirement plan 1,000 times against different market histories and see the full range of outcomes.Open The Real Cost CalculatorTurn any recurring expense into its 30-year compounded opportunity cost. The most visceral way to understand compounding.Open SourcedPaycheck CalculatorHourly or salaried. Full deduction stack (401k, HSA, FSA, custom). See where every dollar of gross actually goes.Open EmbeddableCompound growth calculatorSee how time, contributions, and rate of return shape long-term outcomes.Open EmbeddableSavings account comparisonThe same deposits in checking, regular savings, and high yield savings, side by side. See what the account choice alone is worth.Open Mortgage calculatorMonthly payment, total interest, and how extra principal payments help.Open Loan payoff calculatorSnowball vs. avalanche, model your debt payoff side by side.Open SourcedCredit card payoff calculatorWhat an extra $25/month actually saves you on a credit card balance.Open Dollar-cost averaging calculatorCompare lump-sum investing vs. spreading contributions over time.Open Asset allocation calculatorHow a stock/bond mix would have performed historically.Open SourcedTake-home pay calculatorWhat's actually left after federal, state, and FICA withholdings.Open SourcedTax bracketsSee how 2026 progressive tax brackets actually work, marginal vs effective rate, visualized.Open Rent vs. Buy calculatorCompare both paths as bundles of cash flows over your horizon. Includes property tax, insurance, PMI, maintenance, HOA, selling commission, and the opportunity cost of the down payment.Open SourcedThe Real Cost of Mortgage InsuranceFHA MIP versus conventional PMI on the same loan: what each costs per month, when it ends, and the compounded difference over 30 years.Open
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Embeddable calculators / put them on your own site.
6 embeddable
These tools also come as free widgets any site can carry. Open one and use its embed button for the copy-paste snippet. Free under our embed terms, attribution included.
EmbeddableCompound growth calculatorSee how time, contributions, and rate of return shape long-term outcomes.Open EmbeddableCredit card payoff calculatorWhat an extra $25/month actually saves you on a credit card balance.Open EmbeddableSavings account comparisonThe same deposits in checking, regular savings, and high yield savings, side by side. See what the account choice alone is worth.Open EmbeddableThe Real Cost MethodThe signature tool: any recurring expense, seen as its 30-year compounded opportunity cost. Its embed button lives on the tool page.Open EmbeddableMy NumbersA net worth, debt, and emergency fund tracker that never sees your money. No account, no bank link, everything stays in your browser.Open EmbeddableThe Paycheck DecoderA sample paystub where every line explains itself in plain English: gross pay, taxes, Social Security, Medicare, your 401(k), and net pay. Click any line.Open
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Worksheets / work through yours.
6 worksheets
Fillable planners you can work through and save.
Which Account Fits worksheetDecision-framework worksheet for saving-for-kids accounts. Check what matters; the grid shows which account types align. Printable.Open Monthly budget worksheetThree templates: 50/30/20, zero-based, single-paycheck.Open Debt payoff worksheetList every debt, prioritize, and track payoff month by month.Open Savings goal plannerPick a goal, set a date, see what monthly amount gets you there.Open 7-day expense trackerTrack every dollar for a week. Catch the leaks before they sink you.Open Bill calendarMap your bills across the month so nothing surprises you.Open
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Quizzes / test what you know.
5 quizzes
Quick reads on where you stand, with a result you can act on.
Risk tolerance quizHow much volatility you can actually stomach, based on your behavior, not a guess.Open Sectors quizMatch real economic sectors to the companies and ETFs you've heard of.Open Money personality quizEight questions, four archetypes. Architect, Free Spirit, Saver, Spender.Open Financial fitness scoreTen questions, one number out of 100 with where the gaps are.Open 30-day no-spend challengeA calendar, a streak counter, and milestones to keep you honest.Open
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Money flashcardsSave any term and quiz yourself later. 1038 glossary terms, decked by topic. The one tool that stays a simple card, by design.Study cards
1 flashcards
Plain-English answers from our glossary. Receipts included. Never advice.
Educational tool. Answers come only from ClearMoneySchool's published glossary and are not advice. Why we never give advice
Every tool shows its work. Each tile is a static snapshot that links to the full, live tool; only Credit Score Climb runs inline, as the hero, so the page stays fast. Sourced calculators pull their tax and rate figures from our freshness registry so the math stays current. Education only, not advice.