What is actually going wrong with your money?
Most people do not search for a calculator. They search for a fix. Pick the situation that sounds like your week, and we will point you at the free tool built for it.
My paycheck doesn’t stretch to the end of the month
The money is gone before the next one lands. These tools find the leak, then give you the plan.
Paycheck Health Score Quiz
Your 0–100 score and the one move that fixes the most.
Paycheck Budget Splitter
Give every dollar a job the second it lands.
Paycheck Shock Defense
What to pay first when the check is short.
Paycheck & Bill Calendar
Map paydays against bills so you see a tight week coming.
Paycheck Protection Playbook
Five steps, about three minutes.
30-Day Paycheck Reset
One small money move a day for 30 days.
I don’t know what I actually take home
Gross pay is not your money. These turn an hourly rate into the number that lands in your account.
Hourly Money App
Gross pay, net take-home, and a shift log.
Hourly Pay & Overtime Guide
Full breakdowns for $15 to $30 an hour.
Shift Paycheck Calculator
Take-home pay by shift, hours, and differentials.
Overtime Paycheck Calculator
What that overtime really puts in your pocket.
OT Yield Maximizer
Find the overtime hours worth working.
OT Tax Spike Safeguard
The split between your regular rate and your OT rate.
Side Hustle Tax Estimator
What you will owe on gig and cash income.
Tax Withholding Safeguard
Set aside the right amount before it disappears.
I’m in debt and don’t know where to start
Start with the number. Then pick a strategy. Then watch it move.
Debt Free App
Your debt-free date and true interest cost, saved as you go.
Debt Payoff Calculator
Your payoff date and what each strategy costs in interest.
Debt Strategy Selector
Answer four questions, get the plan built for you.
Snowball vs Avalanche Calculator
Which payoff method wins for your debts.
Snowball Accelerator
Stack your debts and throw a small extra at the smallest.
Consolidation Simulator
Is that consolidation offer actually better?
Payoff vs Refinance Decision Tree
The two-way question that decides it.
Predatory Debt Exit
Pull out of a loan that is costing too much.
APR Defense Engine
What 29% APR really costs you.
BNPL Trap Calculator
The real cost of buy-now-pay-later.
BNPL Freedom Protocol
Kill your pay-in-4 debt for good.
I need an emergency fund and don’t have one
The gap between a flat tire and a disaster is what you are building.
Emergency Fund Readiness Quiz
How ready are you, scored 0–100.
Emergency Fund Runway Calculator
How many days your savings actually last.
Savings Challenge App
100 envelopes and a 52-week streak.
Family Emergency Fund Calculator
Size a buffer for the people depending on you.
Layoff Survival Shield
Plan for a job loss before it happens.
A bill or surprise just hit me
One big hit at a time. These show what you owe, what you can push, and what to do first.
Medical Bill Defense
What you can actually negotiate down.
Utility Spike Shield
Cap a seasonal utility spike.
Vehicle Maintenance Defense Planner
Pre-fund the repairs that always happen.
Auto Debt Shield
Get underwater on a car loan? Here is the path out.
Repo Shield
The number that stops a repossession.
Rent Affordability Calculator
Stress-test a lease before you sign it.
Lease Renewal Defense
Fight a rent increase.
Legal Fee Shield
What a lawyer actually costs, indexed.
Ticket Defense Engine
Fight a traffic ticket and the points it costs.
Garnishment Shield
What the law actually allows them to take.
Holiday Expense Calculator
Cap your seasonal spending before it starts.
My hours got cut, or my pay was short
When the schedule changes or the math looks wrong, audit it before you assume you are bad with money.
Wage Theft Audit
Find every dollar they did not pay you.
Variable Pay Shield
Plan around a paycheck that changes every week.
Layoff Survival Shield
How many weeks you can survive a layoff.
Work Cost Shield
The true cost of a job once you subtract the real expenses.
Trade Tooling Defense
Protect your tools and your trade.
Injury Cash Shield
Plan for a work injury that ends your income.
Bereavement Cash Shield
Plan for losing someone.
Childcare Cost Calculator
Tame dependent care costs against a paycheck.
Relocation Cash Shield
Can you afford the move, really?
Career Lift Calculator
Does that certification pay off?
Pay Raise Negotiation Engine
Ask for more, with the numbers behind it.
Money keeps leaking out and I can’t see where
Small recurring charges are the reason the balance is low every month. Find them, then cut them.
Subscription Drain Audit
Find the subscriptions quietly bleeding you.
Subscription Audit Worksheet
Write down every recurring charge, then cancel.
Payday Cash Flow Allocator
Bills first, buffer second, guilt-free spending last.
Payday Trap Shield
The paycheck drag hiding in plain sight.
Sinking Fund Planner
Pre-fund the annual ambushes.
Windfall Stash Maximizer
What to do with a bonus or a big check.
Overtime Wealth Maximizer
Turn overtime into a streak, not a splash.
I want to build something, not just survive
You are past the emergency. Now the money has to work while you do.
Compound Interest Velocity Calculator
Watch small, steady money grow big.
Yield Shield
Make sure the rate you earned was the rate you got.
Retirement Cash Shield
What a penalty plus tax really takes.
Credit Repair Engine
Fix your credit score on a budget.
Credit Utilization Calculator
How your balances shape your score.
Not sure which one?
Start with the Paycheck Health Score Quiz. It scores your money in eight questions and names your exact next move. If you only have three minutes, take the free Paycheck Protection Checklist instead.
Keep going
All tools by name
Browse the full directory with search.
Money FAQ
Straight answers to the questions people actually ask.
Guides & playbooks
The deeper explainers behind the calculators.
The 30-Day Paycheck Reset
One 3-minute money move a day. Free, and it saves your progress in this browser.
Built for the ones who earn it hourly.
Educational tools only; not financial, legal, or tax advice.
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