Every 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.

Run yours

Worksheets

All worksheets 6

Monthly budget worksheet

Three templates: 50/30/20, zero-based, single-paycheck.

Run yours

Debt payoff worksheet

List every debt, prioritize, and track payoff month by month.

Run yours

Savings goal planner

Pick a goal, set a date, see what monthly amount gets you there.

Run yours

Quizzes

All quizzes 5

Financial Fitness Check

Ten questions on how money works. Scored by topic, with the lesson for each gap.

IllustrativeTen questions on how money works. One score, every gap named. It scores what you know, never your finances.

Run yours. 4 min

Risk tolerance quiz

How much volatility you can actually stomach, based on your behavior, not a guess.

Run yours. 5 min

Money personality quiz

Eight questions, four archetypes. Architect, Free Spirit, Saver, Spender.

Run yours. 3 min

Games

All games 7

The 40-Year Run

Steer the same paycheck from age 25 to 65. Four decisions, four decades. See how far ahead of doing nothing your choices put you, measured as a multiple, never a dollar figure.

Run yours. 3 min

Inflation Run

Same grocery basket, ten years of rising prices. Take the cost-of-living raise or let your paycheck quietly lose ground, and see how full your cart is at the end.

Run yours. 3 min

Messages drop into your inbox: a fake delivery text, a gift-card demand, a guaranteed-return DM, a real reminder. Mark each one scam or legit before the timer runs out, and learn the red flag that gives it away. Every tell is anchored to FTC consumer advice.

Run yours. 3 min

Study cards

All study cards 1

Flashcards

Save any glossary term as a card, then study it term by term. Your deck stays in this browser.

Run yours

Look-up tools

All look-up tools 4

The Jargon Translator

Paste a paragraph of financial news or a disclosure and see the terms in it we can define. Runs in your browser.

Paste a paragraph

The Stale Check

Enter a tax, retirement, or benefit figure and see whether it is current, superseded, or not tracked, with its source.

Check a figure

The Living Receipt

Open any figure we cite to see its primary source, the date we last checked it, and what it used to be.

Open a receipt

Each group has its own page listing every tool in it. The tools shown here are hand-picked for now and will be re-picked from real usage.

Put them on your own site

7 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.

Embeddable

Compound growth calculator

See how time, contributions, and rate of return shape long-term outcomes.

Embeddable

Credit card payoff calculator

What an extra $25/month actually saves you on a credit card balance.

Embeddable

Savings account comparison

The same deposits in checking, regular savings, and high yield savings, side by side. See what the account choice alone is worth.

Embeddable

The Order of Operations

What to fund first, decided with your numbers: put the emergency fund, the high-interest balance, and the employer match in your order, run five years, and see the other orders beside it.

Embeddable

The Real Cost Method

The signature tool: any recurring expense, seen as its 30-year compounded opportunity cost. Its embed button lives on the tool page.

Embeddable

My Numbers

A net worth, debt, and emergency fund tracker that never sees your money. No account, no bank link, everything stays in your browser.

Embeddable

The Paycheck Decoder

A 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.

The Decoderby ClearMoneySchool

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

How The Decoder works

Edited by Joseph Citizen, Co-founder. Updated October 6, 2026. Education only. ClearMoneySchool does not provide individualized investment, tax, or legal advice.