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FSA · Learning tools · All free

Start with your question, not with a tool

Every tool here starts with one real money question and helps you work through the answer. No signup, no upsell — pick the question that's yours.

Your paycheck & where it goes

The money that arrives — and the two forces that quietly shrink it: deductions you can see, and inflation you can't.

New

"Is my raise actually a raise?"

The Quiet Pay Cut · interactive lesson
Track a paycheck against ten years of real U.S. inflation data. Watch wages and prices diverge, see what leaves the basket, and learn your break-even raise.

"Where is my money actually going?"

Budget Tracker · calculator
Track income and expenses by category, visualize the breakdown, and find the leaks.

"What am I actually worth on paper?"

Net Worth Tracker · calculator
Assets minus liabilities, with historical snapshots so you can watch the trend, not the noise.

Surviving surprises

About 4 in 10 U.S. adults couldn't cover a $400 surprise with cash (Federal Reserve SHED). The difference between a bad week and a bad year is a buffer.

New

"Could my money survive a surprise?"

Emergency Fund Stress Test · interactive lesson
Throw a car repair, a medical bill, or a lost paycheck at your actual numbers — and see how $25 a month changes the ending.

Getting out of debt

Debt is a math problem wearing an emotions costume. These make the math visible.

New

"What does 'just the minimum' actually cost?"

The Minimum Payment Trap · interactive lesson
The real issuer minimum formula, month by month: $3,000 at the average 21.5% APR takes almost 15 years — and an extra $50/mo changes everything.

"How fast could I actually be debt-free?"

Debt Payoff Calculator
Avalanche vs snowball, side by side: your payoff date, total interest, and which order wins for you.

Growing what you keep

Saving protects money from emergencies. Investing protects it from inflation. These show both at work.

New

"Is money at my bank growing — or quietly shrinking?"

What Your Bank Quietly Costs You · interactive lesson
Your balance at 0.38% average savings vs 4.15% high-yield vs inflation — nominal, real, and the gap between them, over the years you pick.

"What could my savings grow into?"

Compound Growth Calculator
Contributions, time, and rate — with inflation adjustment so the answer is in real buying power.

"Does timing the market beat consistency?"

DCA Simulator · lab
Run dollar-cost averaging against lump-sum and market-timing strategies and see what discipline is worth.

"How much do fees quietly cost me?"

Fee Simulator · lab
A 1% fee sounds small. Compounded over decades, it isn't. See the exact cost in dollars.

"How much risk can I actually stomach?"

Risk Tolerance Lab
Live through simulated crashes and recoveries before your real money has to.

"Is this investment any good?"

Scorecard Lab
A structured scorecard for evaluating any investment before you commit a dollar.

"How has Bitcoin compared to other assets?"

Bitcoin vs Traditional Assets · calculator
Historical performance of Bitcoin, stocks, bonds, and savings accounts over the periods you choose.

Making a specific decision

Sometimes the question is not a whole course topic. You just need to understand the numbers and rules behind one decision.

New

"What do Trump Account rules mean for my family?"

Trump Account Family Decision Session · guided tool
Answer ten household questions once, then see the eligibility rules, contribution arithmetic, growth scenarios, and decisions that still belong to you.
For families · English & Spanish · about 10 minutes

"If an employer contributes, how much can we still add?"

Contribution Cap Planner · calculator
See how your contribution and an employer contribution fit inside the combined annual Trump Account cap — including where the federal deposit does and does not count.
For parents and families · about 2 minutes

"¿Qué significan las Cuentas Trump para mi familia?"

Cuentas Trump: guía de decisión · herramienta
Las reglas, los documentos que puede necesitar y las preguntas que una página web no puede contestar por usted — incluyendo hogares con estatus mixto.
Para familias · Español · unos 5 minutos

For professionals

Tools for people helping employees, clients, or families understand financial decisions without turning education into individualized advice.

New

"What would a Trump Account contribution actually cost our organization?"

Employer Contribution Cost Model · calculator
Model cost by headcount, contribution amount, and participation rate, then separate the spreadsheet questions from the ones that belong to benefits counsel.
For HR, benefits teams, brokers and PEOs · about 4 minutes

"When does financial education cross into individualized advice?"

The Education / Advice Line · interactive exercise
Sort eight client-facing statements, see the principle behind each answer, and identify situations that should be referred rather than answered as general education.
For CPAs, RIAs and tax professionals · about 6 minutes

The long game

Zoom out: when does work become optional, and what's the plan that ties it all together?

"When could work become optional?"

Financial Freedom Timeline · calculator
The 25x rule, year-by-year projections, and the levers that move your date closest.

"What should I work on next?"

My Journey · plan builder
Your progress across all ten modules and a personal plan built from what you've completed.

Not sure which question is yours?

The 2-minute assessment finds where you are and points you at the module and tools that match.

Take the 2-min assessment →