Practical tools
Put one money decision into a clearer frame.
These tools organize information you provide or connect you with source-backed public resources. They do not connect to your financial accounts. AI-generated plans are educational starting points, not professional advice.
AI-assisted planning
Personalized Debt-Plan Generator
Answer six questions and generate an educational debt-payoff starting plan with repayment steps, expense ideas, and negotiation prompts.
Useful for: For people who want a tailored starting point before confirming details with creditors or a qualified professional.
Generate a debt plan
Interactive worksheet
Budget Calculator
Compare the income and expenses you enter, add savings and debt minimums, and review a private monthly cash-flow estimate.
Useful for: For anyone who wants to organize one month before choosing a broader plan.
Open the calculator
Two-minute practice
Daily Money Reset
Choose a date and get one small editorial prompt with a practical action and a relevant next resource.
Useful for: For anyone who wants a low-pressure way to build a repeatable money routine.
See today’s prompt
Source-backed directory
Credit Union Directory
Search public credit-union records, official websites, membership information, and individually enriched profiles.
Useful for: For people comparing official institution information—not rankings or product recommendations.
Search the directory
Decision guide
Short-Term Borrowing Checklist
Work through repayment cost, due dates, collection methods, lender identity, and lower-cost alternatives before borrowing.
Useful for: For people evaluating a payday or other short-term loan and looking for authoritative next steps.
Review the checklistNeed context before using a tool?
Start with a guide for the underlying decision, then return to the relevant worksheet or directory.