From your first budget to your first shares
Money basics without the jargon. Free calculators and short guides for every step: a budget that works, a safety cushion, no expensive debt, then investing without blowing up. Everything runs in your browser.
Not sure where to begin? Start here
- Needs (50%)
- Wants (30%)
- Saving (20%)
Where to start
- Give every part of your income a job. Needs, wants, saving.
- Save a starter cushion of about one month of essential costs.
- Pay off expensive debt, like credit cards. Few investments reliably beat a credit card's interest rate.
- Finish the emergency fund: 3–6 months of essentials.
- Start investing small and automatically, and let time do the work.
- If you trade, decide the risk before the trade.
Calculators
Budget and debt
- Household budget calculatorSplit your home money into needs, wants and savings, and share bills fairly with a partner.
- Emergency fund calculatorHow big your safety cushion should be, and how long it takes to build.
- Debt payoff calculatorAvalanche or snowball: your debt-free date and the interest each way costs.
- Loan calculatorMonthly payment, total interest and what paying a little extra saves.
Saving and investing
- Savings goal calculatorHow much to put aside each month to reach a goal by a date.
- Compound interest calculatorWatch small monthly amounts grow, in today's money after inflation.
Home
Risk, for investors and traders
- Position size calculatorHow much to buy so one bad trade only costs what you decided in advance.
- Win rate vs risk reward calculatorWhy you can be wrong most of the time and still come out ahead.
- Leveraged ETF decay calculatorWhat 2x and 3x products really do when the market goes sideways.
Learn
- Start herePick your situation and follow a short path, step by step.
- How to make a budget that worksA first budget in an evening, including irregular income and couples.
- How to save moneySaving that survives real life: automatic, specific and realistic.
- How to get out of debtUnderstand what you owe, stop the bleeding, and pay it off in order.
- Investing basics for EuropeansStocks, ETFs, fees, brokers and the EU rules nobody explains.
- Investment scams: how to check a brokerThree official checks before you pay, the red flags, and what to do if it happened.
- Free budget templatesBudget, debt, savings goal and net worth spreadsheets. No sign-up.
- Money glossaryThe words you'll meet, in one line each.
Why this site exists
A few simple tools changed how I handle money: a budget where every euro has a job, a real emergency fund, and strict limits on what one investment can cost me. This site shares them in the simplest form I could build, so you can start with them instead of finding them years later. More about the site.
Last reviewed
Education, not advice. I'm not a financial adviser and I don't know your situation. These tools show the maths behind common rules of thumb; check important decisions with a qualified professional. Full disclaimer.