Personal finance for all

money,madesimple.

Free tools and 30-second lessons to help you save, pay off debt and start investing, even on a small income.

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Came from a video?Emergency fundBudgetingDebtInvestingSaving smallAI and jobs
Start here

Where are you right now?

Tap the one that sounds most like you. No sign-up.

Just starting outStudent, or new to money. Start with $1 a day.Start with any amount →Money runs outPaycheck to paycheck. Find where it goes.Budget and spending →No safety netNo savings for surprises. Build a small cushion.Emergency fund →In debtCredit card debt. Get a real debt-free date.Debt and credit cards →Ready to growSavings ready. One simple way to invest.Index funds →Worried about AISavings give you choices. Build time to adapt.Work is changing →
Free · instant download

The Start Here Kit

A one-month spending tracker and a $1 a day savings challenge. Works in Excel and Google Sheets. Free to share.

Get it free
Free tools

Four steps. A free tool for each.

Do them in this order. Tap a step to open its calculator.

  1. Step 1

    See where you stand

    Know what comes in, what goes out, what you owe and own.

    Money check-up
  2. Step 2

    Build your cushion

    Save for surprises, so a big bill never becomes debt.

    Emergency fund calculator
  3. Step 3

    Clear expensive debt

    Pay off credit cards and get a real debt-free date.

    Debt payoff planner
  4. Step 4

    Invest every month

    A little into one low-cost index fund. Then leave it.

    Growth calculator
More free tools:
Monthly money planFreedom numberFee calculator401(k) match calculator
Lessons

Learn it in 30 seconds.

240 short lessons in 12 topics, in the same four steps. Pick a topic.

Step 1: See where you stand

Getting started20 lessonsBudget and spending20 lessonsMyths and mistakes20 lessonsStart with any amount20 lessons

Step 2: Build your cushion

Emergency fund20 lessonsWork is changing20 lessons

Step 3: Clear expensive debt

Debt and credit cards20 lessons

Step 4: Invest every month

Index funds20 lessonsCompounding and time20 lessonsFees20 lessonsAccounts and the 401(k)20 lessonsCrashes and fear20 lessons
Go further

Tools to keep.

Everything above is free, always. If you want ready-made spreadsheets and printables to keep, they start at $3. Pay once, keep forever.

Preview of Simple Expense Tracker

Simple Expense Tracker

See where every dollar goes, in 2 minutes a day.

$3Coming soon
Preview of Invest Simply

Invest Simply

Know what to buy and why. Then let time work.

$12Get it
Preview of Savings Challenge Pack

Savings Challenge Pack

10 challenges from $100 to $10,000. No math.

$7Coming soon
Preview of 30-Day No-Spend Challenge

30-Day No-Spend Challenge

Spend nothing extra for 30 days. Keep the money.

$4Coming soon
Preview of Monthly Money Plan

Monthly Money Plan

Every paycheck, planned in 10 minutes a month.

$7Coming soon
Preview of The Cushion Kit

The Cushion Kit

Your safety cushion in 90 days.

$9Coming soon

Instant download. Works in Excel, Google Sheets and any PDF reader. Education only, not financial advice.

Questions

What people ask first.

I have debt and no savings. Where do I even start?
Save a small starter cushion, about one month of must-pay costs. Then put every spare dollar on the most expensive debt first.
Is investing just gambling with extra steps?
Picking single stocks can be. Owning a low-cost fund of the whole world for decades is different: you own a small slice of thousands of companies.
How much should my emergency fund be?
Three to six months of must-pay costs. More if you're self-employed or the only earner at home. Keep it in a separate savings account.
Do I need to link my bank or pay anything?
No. The tools work without an account and nothing you type leaves your device. Products in the shop are optional, one-time purchases.
I'm a student with almost no money. Is it worth starting?
Yes. The habit matters more than the amount. $5 a week is $260 a year, and starting early gives your money more years to grow.
I'm worried AI could change my job. What should I do?
Stay calm and build choices. A few months of savings gives you time to learn, retrain or switch jobs without panic.
New to money words? The 8 you will hear most
Budget
A plan for your money, made before the month starts. It tells each dollar where to go.
Emergency fund
Savings kept only for surprises, like a car repair or losing your job. Also called a cushion.
Interest
The cost of borrowing money. On savings, it's the money the bank pays you.
Credit score
A number lenders use to guess if you'll pay them back. Paying on time helps it most.
Compounding
When your money earns money, and then that money earns money too. Time makes it bigger.
Index fund
One fund that holds many companies at once, so you don't have to pick stocks yourself.
Fees
What a fund or account charges you each year. Small fees still add up over many years.
401(k) and match
A US retirement account through your job. Many employers add free money, called a match.

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today.

Pick where you are. We'll show you one free tool and a short lesson.

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