Your Financial Transformation
Turn financial complexity into clarity with our carefully crafted suite of interactive tools. Whether you’re rebuilding after setbacks, managing growing income, or planning for long-term security, we’ve designed resources to meet you exactly where you are. Our toolkit bridges the gap between financial theory and real-world application—just like the approach in The Real Money Guide.
Basic Tools
— For the building blocks
Essential tools to kickstart your financial journey
🟢 Free, No Login Required
Premium Tools
— For Advanced financial topics
Advanced calculators and personalized strategies
🟣 Free, Login Required
The Real Money Guide: Financial Toolkit
📊 Budgeting & Cash Flow
Emergency/Buffer Fund Builder:
Calculate your ideal financial cushion
50/30/20++ Budget Calculator:
Help implementing this budgeting approach
Financial Literacy Quiz:
Test your financial knowledge with this quiz
Financial Reality Check Tool:
Everything you need to build your budget
Auto Affordability Calculator:
How much automobile can you afford
Home Affordability Calculator:
How much house can you afford
Mortgage Analysis Tool:
Compare different mortgage options and terms
📉 Debt Management
Debt Comparison Calculator:
Determine between Snowball or Avalanche
Payoff Timeline Calculator:
Visualize freedom dates with different strategies
Credit Score Improvement Roadmap:
Improve your credit score following this guide
Debt-to-Income Calculator:
Front and back end DTI with visuals
Student Loan Optimizer:
Find the best repayment plan for your situation
Financial Recovery Milestone Tracker:
Guide you on your finacial recovery journey
Rent vs Buy Calculator:
Compare the pros and cons of rent vs buy
📈 Investment & Wealth
Investment Goals Calculator:
Create guidelines for your investment decisions
Asset Allocation Worksheet:
Determine your ideal investment mix
Retirement Readiness Calculator:
Check progress toward retirement goals
Real Estate Investment Analyzer:
Evaluate potential property investments
Side Hustle Evaluator:
ROI calculator for potential side hustle income
Roth Conversion Ladder Planner:
Plan accessing Roth funds before age 59½.
RSU Compensation Calculator:
Understand the true value of equity compensation
💼 Career & Income
Paycheck Calculator:
Advanced interactive paycheck calculator
Tax Payment Calculator:
Ensure you’re not overpaying taxes
Work-Life Harmony Planner:
Evaluate and improve your current situation
Variable Income System:
For freelance, part time, and gig workers
Freelance Rate Calculator:
Determine hourly rate to charge as 1099 vs salary
Career Value Calculator:
Determine the financial impact of career moves
Digital Security Assessment Tool:
Checklist-based tool that evaluates security
🏡 Family & Legacy Planning
Couples Money Values Assessment:
Clarify and document your financial philosophy
Couples Expense Sharing Calculator:
For couples or any two people sharing expense
Financial Education Activity Generator:
Age-appropriate financial education activities
Insurance Coverage Analyzer:
Check what coverage needs and gaps exist
Financial Legacy Blueprint:
Transfer assets and wisdom to the next generation
Life Stage Prioritizer:
Assess your financial life stage and circumstances
🔥 FIRE Resources
FIRE Calculator:
All-in-one calculator for Basic, Coast, and Barista FIRE
FIRE Timeline Projector:
Calculate how long it will take to reach your FIRE goal
FIRE Tax Optimized Withdrawal Planner:
Helps you minimize taxes in retirement
FIRE Sustainability Calculator:
Will my money last through retirement?
FIRE Retirement Risk Mitigator:
Determine actions to reduce retirement risk
FIRE Healthcare Bridge Planner:
FIRE healthcare costs before Medicare eligibility.
Based on principles from “The Real Money Guide: The Missing Manual for Financial Recovery” by David Kim