Emergency Fund Builder
How big should your safety cushion be, and how long will it take to build?
Debt Payoff: Snowball vs. Avalanche
Snowball pays the smallest balance first for quick wins. Avalanche pays the highest interest rate first to save the most. Compare both.
| Debt | Balance ($) | APR (%) | Minimum ($/mo) |
|---|
Subscription Check-Up
Small charges add up. List what renews, untick what you would cancel, and see what it frees each year.
| Keep? | Subscription | Cost ($) | Billed |
|---|
The Rule of 72
A quick way to see how compounding works: divide 72 by a yearly rate to estimate how many years it takes money to double. Works for debt, too — at 24% APR an unpaid balance doubles in about 3 years.
The rate is a hypothetical you choose to learn the math. It is not a prediction or a promise of any return.