The free finance app for US and Canadian households, with no bank linking

Estimates real take-home pay after federal, state/provincial and payroll taxes (FICA or CPP/EI) for all 50 US states, DC and every Canadian province, with 401(k)/RRSP contribution effects.

Builds a 50/30/20 or zero-based budget from your pay cycle, shows where every dollar goes and flags categories that break the plan.

Models monthly payments with PMI or CMHC insurance, property tax and insurance, amortization, refinance break-even and buy-vs-rent, using an honest affordability mode based on net take-home pay rather than gross income.

Compares personal, student, auto and business loans with full amortization schedules, extra-payment and bi-weekly payoff savings.

Projects retirement readiness with 401(k), IRA, Roth, RRSP and TFSA balances, Social Security or CPP/OAS estimates and a Monte Carlo simulation of market risk.

Compares buying, financing and leasing a vehicle, including EV vs gas total cost of ownership, insurance, fuel and depreciation.

Runs a three-scenario discounted-cash-flow valuation, Graham Number and sensitivity tables, auto-filled from SEC EDGAR financials for any US ticker.

Analyzes an investment property with cap rate, cash-on-cash return, IRR, DSCR and a multi-year cash-flow projection.

Shows investment growth with configurable compounding, inflation adjustment, tax drag vs tax-free accounts and the Rule of 72.

Estimates monthly payments under the Repayment Assistance Plan (RAP) created by the One Big Beautiful Bill Act and compares them with IBR, PAYE, Tiered Standard and refinancing, including the SAVE transition, married-filing-separately strategy, principal matching and the forgiveness timeline.

Calculates the No Tax on Tips, No Tax on Overtime and Senior Bonus deductions under the One Big Beautiful Bill Act (tax years 2025-2028), including the income phase-outs.

Computes Schedule C profit, 15.3% self-employment tax, the QBI (Section 199A) deduction, quarterly estimated payments with safe harbor and an S-Corp vs sole-proprietor comparison.

Checks eligibility and estimated amounts for the EITC, Child Tax Credit, SNAP, ACA premium subsidies, Medicaid and WIC, and shows how IRA/HSA contributions can recover phased-out benefits.

Compares avalanche, snowball, consolidation, debt management plans and Chapter 7 vs Chapter 13 bankruptcy on your actual balances and rates.

Sequences First Home Savings Account, RRSP and TFSA contributions and combines the FHSA with the Home Buyers' Plan to unlock $100,000+ tax-free for a first home in Canada.

Estimates T2125 business income tax, CPP and CPP2 contributions, GST/HST obligations, CCA deductions and whether incorporating saves money, for every province including Quebec.

Estimates the Canada Child Benefit, GST/HST Credit and Canada Workers Benefit and shows how RRSP contributions raise benefit amounts.

Compares consumer proposal, bankruptcy with surplus income, consolidation and payoff strategies under Canadian insolvency rules.

Charts 10+ years of revenue, margins, P/E, ROE and cash flow for US public companies from SEC EDGAR data.

Follows the 13F portfolios of investors such as Buffett, Ackman, Dalio and Tepper and what they bought and sold each quarter.

Tracks US Treasury and Government of Canada yields, the yield curve and fixed-income basics.

Follows CPI inflation from the BLS and Statistics Canada and shows what it does to purchasing power over time.