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FREE TOOLS AND ARTICLES

Money, made unmistakably clear.

With Clear Finance HQ learn all about credit cards, budgeting, investing, insurance and personal finance through clear guides, practical calculators and interactive tools.

Our mission is to explain personal finance in plain English through practical guides, calculators and educational resources.

Take a quiz

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Quick answers, no spreadsheet required

Type your numbers into any tool below and get an answer in seconds,Β  nothing is saved, nothing is signed up for.

Monthly budget check

Where your take-home pay lands after the essentials.




Free each month
$2,200
Savings rate
46%

Savings goal tracker

See exactly when your target lands in the account.




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5% there β€” about 39 months to go.

Spending health

Drag to see how your split compares to the 50/30/20 rule.




50%
Needs
28%
Wants
22%
Save

CALCULATORS β€’ PUT YOUR NUMBERS TO WORK

What Do Your Numbers
Actually Look Like?

A financial question is easier to act on when you can see the numbers. Use these free calculators to estimate what you could need, what a payment may look like, or how long a goal could take.

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Emergency Fund

Estimate how much money you may want set aside for essential expenses and see how your current savings compare with your target.

Open Emergency Fund Calculator β†’
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Life Insurance

Explore a starting estimate of life insurance coverage based on factors such as income, debts, future expenses, and financial responsibilities.

Open Life Insurance Calculator β†’
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Mortgage

See how loan amount, interest rate, and repayment period can affect an estimated monthly mortgage payment.

Open Mortgage Calculator β†’
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Car Loan

Estimate an auto loan payment and see how the amount borrowed, interest rate, and loan term can change the cost of financing a vehicle.

Open Car Loan Calculator β†’

These calculators are designed to help you explore scenarios and understand the numbers. Results are estimates, so use the calculator that matches your question and then read the full guide for more context.

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ARTICLES β€’ PRACTICAL MONEY GUIDES

Money Questions
Worth Thinking About.

Straightforward guides about the money decisions, habits, and questions that can have a bigger impact than you might expect.

Financial habits and spending patterns

If You Want Something Different, Why Do You Keep Doing the Same Thing?

Take a closer look at the financial habits you repeat every month and what they might be telling you about where your money is going.

Read article β†’
Understanding personal finance

You’re Not Bad With Money: You Just Never Learned How It Works

Money can feel complicated when nobody ever teaches you how the basics fit together. Understanding the system can change how you approach everyday decisions.

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Building better saving habits

You Keep Saying You’ll Save More. So Why Aren’t You?

You already know saving matters. The harder part is figuring out why your plans keep getting pushed to next month and what you can actually change.

Read article β†’
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