Free, simple guides to investing, saving and retirement in the US, UK and Canada. Education only, never financial advice. New guides every week.
🌱Start here
New to money and investing? Begin with these.
GuideHow to Start Investing: A Beginner’s Guide in 4 StepsGuideHow to Start Investing With $100GuideHow Compound Interest Works, With Real NumbersGuideHow Much Should You Keep in an Emergency Fund?GuideHow to Handle Debt When Interest Rates Are HighStatisticsAverage Net Worth by Age in 2026: New Fed Data and Statistics
đź’łSaving, credit and debt
New to money and investing? Begin with these.
Free toolBudget calculatorFree toolNet worth calculatorGuideWhat Is a High Yield Savings Account? How It Works and Who It’s ForGuideWhat Is a Good Credit Score? Ranges and What You NeedGuideHow to Raise Your Credit Score Fast: What Works in 30 to 60 DaysGuideDebt Snowball vs Avalanche: Which Pays Off Debt Faster?GuideHow Much Interest Will $10,000 Earn? Rates, Examples and Where to Keep ItGuideHigh Yield Savings vs Money Market Account: Which Is Better?GuideCD vs High Yield Savings Account: Which Is Better for Your Cash?GuideHow Much Should I Have Saved by Age? Benchmarks for 30, 40, 50 and 60GuideHow to Pay Off Credit Card Debt Fast: A 5-Step PlanFree toolDebt payoff calculatorFree toolCredit card payoff calculatorGuideIs a HYSA worth it?GuideCredit score rangesGuideHow to File Taxes for Free in 2027: Every Option ComparedGuideStandard Deduction 2027: New Amounts and Tax BracketsGuideWhat Is a 1099 Form? Types, Thresholds and How to Use OneGuideTerm vs Whole Life Insurance: Which Is Better for You?GuideHow to Build Credit From Scratch: 6 Steps That WorkGuideHow to Save Money Fast: 12 Moves That Work This MonthGuideSinking Funds Explained: How to Save for Big Bills
🏠Homes and cars
New to money and investing? Begin with these.
GuideHow Much House Can I Afford? The 28/36 Rule With Real ExamplesGuide15 vs 30-Year Mortgage: Which Saves You More?GuideHow Much Car Can I Afford? The 20/4/10 Rule by SalaryGuideLease vs Buy a Car: Which Costs Less? A Real ExampleGuideRent vs Buy: How to Decide With the 5% RuleGuide10 Car Loan Mistakes That Cost You ThousandsFree toolCar loan calculatorFree toolMortgage calculator, any currencyGuideHow to lower your mortgage paymentGuideHow to Invest in Real Estate With Little Money: 6 Ways
đź“ŠInvesting basics
Funds, ETFs, stocks and bonds, explained.
Free toolCapital gains tax calculatorFree toolInvestment fee calculatorGuideWhat Is an Index Fund? How the S&P 500 and Other Indexes WorkGuideIndex Funds vs ETFs vs Mutual Funds: What Is the Difference?GuideBest Index Funds for Beginners in 2026: VOO, VTI, VXUS and MoreGuideETFs vs Individual Stocks: Which Is Better for Beginners?GuideVOO vs SPY vs IVV: Which S&P 500 ETF Should You Buy?GuideDollar-Cost Averaging: What It Is and When It WorksGuideDividend Investing for Beginners: How Dividends WorkGuideWhat Is a Bond? How Bonds Work and Why Prices Move With RatesGuideValue vs Growth Stocks: What Is the Difference?GuideVTI vs VOO: Total Market or S&P 500?GuideQQQ vs VOO: Nasdaq-100 or S&P 500?GuideSCHD vs JEPI: Which Dividend ETF Is Right for You?GuideCanadian Dividend ETFs Compared: VDY, XEI, CDZ, ZDV and ZWCGuideIs It Too Late to Start Investing at 40?GuideFXAIX vs VOO: Which S&P 500 Fund Should You Buy?GuideHow to Invest $1,000: The Smart Order for BeginnersGuideWhat Is the S&P 500? How It Works and How to Invest in ItGuideVTSAX vs VTI: Vanguard Total Stock Market Mutual Fund or ETF?GuideHow to Invest $10,000: A Simple Plan by Goal and TimelineGuideWhat Is an ETF? How Exchange-Traded Funds Work for BeginnersGuideWhat Is a Brokerage Account? How It Works and How to Open OneGuideDollar Cost Averaging vs Lump Sum: Which Works Better?GuideSCHD explainedGuideSCHD vs VYM vs DGROGuideVOO dividendGuideSPY vs VOOGuideDividend Kings explainedGuideMonthly dividend stocksGuideWhat Is a REIT? How Real Estate Investment Trusts Work
🔍Reading the market
Understand the numbers behind the headlines.
GuideHow to Read an Earnings Report: The Numbers That MatterGuideWhat Is a P/E Ratio? How to Use It Without Getting FooledGuideWhat Is a Stock Split? What Happens to Your SharesGuideHow to Read a Stock Market HeatmapGuideSmart Money Index explainedGuideWhat Is a Bear Market? Definition, History and What to DoGuideWhat Is Short Selling? How It Works and Why It Is RiskyGuidePremarket and After-Hours Trading: Hours, Rules and RisksGuideWhat Is a Short Squeeze? How They Start and How to Spot OneGuideNvidia Earnings Preview: Q3 Date, Guidance and What to WatchGuideEarnings This Week: Nvidia, Walmart, Home Depot and TargetGuidePattern Day Trader Rule Is Gone: What Changed in 2026
â‚żCrypto
New to money and investing? Begin with these.
GuideWhat Is the Bitcoin Halving? Dates, Price History and the Next OneGuideBitcoin ETF vs Buying Bitcoin: Which Is Better for You?GuideHow to Buy Bitcoin Safely: Exchanges, Wallets and Common MistakesGuideWhat Is Crypto Staking? How It Works and the RisksGuideEthereum vs Bitcoin: Key Differences and Which to OwnGuideWhat Are Altcoins? Types, Risks and How They Differ From BitcoinGuideWhat Is DeFi? Decentralized Finance Explained for BeginnersGuideHow Is Crypto Taxed? US, Canada and UK Rules ExplainedGuideWhat is a stablecoin?GuideBitcoin vs Gold: Which Is the Better Store of Value?
🌍Economy, gold and BRICS
New to money and investing? Begin with these.
Free toolInflation calculatorGuideWhat Is BRICS? Members, Goals and What It Means for InvestorsGuideWhat Is De-Dollarization? Is the US Dollar Losing Its Power?GuideWhat Is CPI? How the Consumer Price Index Measures InflationGuideCore Inflation Explained: Why It Matters for Your SavingsGuideHow Inflation Eats Into Your Savings (and What You Can Do)GuideWhat Is a Recession? Signs, Causes and What to DoGuideHow Does Inflation Affect Stocks?GuideHow to Buy Gold in Canada: ETFs, Coins, Bars and StocksGuideIs Canada in a Recession? How to Tell and What to WatchGuideWhy Is the Gold Price Going Up? 6 Reasons Behind the RallyGuideGold vs Silver: Which Is the Better Investment?GuideWhy Does the Fed Raise Interest Rates? How It Fights InflationGuideHow to invest in gold
🇺🇸Retirement in the US
401(k), IRAs and how much you need.
Guide401(k) by Age: How Much Should You Have Saved at 30, 40, 50 and 60?GuideRoth vs Traditional IRA: Which Saves You More in 2026?GuideBackdoor Roth IRA Explained: Step by Step, Plus the Pro-Rata RuleGuideThe 4% Rule Explained: How Much Can You Withdraw in Retirement?GuideRoth 401(k) vs Traditional 401(k): Which Should You Choose?GuideWhen Can I Withdraw From My 401(k) Without Penalty? Every ExceptionFree tool401(k) calculatorFree toolRoth IRA calculatorFree toolFIRE calculatorGuide401(k) Contribution Limits 2026: $24,500, Catch-Up and 2027 OutlookGuideRoth IRA Income Limits 2026: Who Can Contribute and How MuchGuideWhat Happens to My 401(k) When I Leave My Job? Your 4 OptionsGuideHow Much Do I Need to Retire? The 25x Rule ExplainedGuideHSA vs FSAGuideSocial Security at 62 vs 67Guide401(k) Rollover to IRA: How to Do It Without Taxes or PenaltiesGuideHSA Contribution Limits 2027: $4,500 Self, $9,000 FamilyGuideWhat Is an Annuity? Types, Costs and Who Should Buy OneGuideWhat Is a Roth Conversion? How It Works and When It PaysGuideHow to Retire Early: A Step-by-Step Plan
🇬🇧Saving in the UK
ISAs, the Lifetime ISA and the 2027 cash ISA change.
GuideLifetime ISA Explained: The 25% Bonus, Rules and Is It Worth It?GuideCash ISA Changes April 2027: ÂŁ12,000 Cap Scrapped in the BudgetFree toolISA calculatorGuideStocks and Shares ISA vs Cash ISA: Which Is Better in 2026?GuideHow much should I have in my pension?GuideSIPP vs ISAGuidePremium Bonds vs savings accountGuideISA Allowance 2027/28: ÂŁ20,000 Limit and the Cash ISA U-TurnGuideUK State Pension Age: When You Can Claim and What Is Changing
🇨🇦Canada: TFSA, RRSP and FHSA
Registered accounts, limits and deadlines.
GuideWhat Is a TFSA? How It Works, Limits and Rules for 2026GuideTFSA vs RRSP: Which Should You Use First?GuideTFSA Contribution Room 2026: $7,000 Limit and $109,000 TotalGuideTFSA Limit 2027: $7,500 Expected and What It Means for Your RoomGuideRRSP Contribution Limit 2026: $33,810, Deadline and How to Find Your RoomGuideWhat Is an FHSA? The First Home Savings Account ExplainedFree toolTFSA calculatorFree toolRRSP refund calculatorGuideCan You Lose Money in a TFSA? Yes, and Here Is HowGuideGIC vs High-Interest Savings Account: Which Is Better?GuideFHSA vs RRSP: Which Should First-Time Home Buyers Use?GuideRRSP deadline 2027GuideTFSA withdrawal rulesGuideCPP at 60 vs 65 vs 70: When Should You Start?GuideRRSP Limit 2027: $35,390 Confirmed by CRAGuideCPP 2027: Maximum Pensionable Earnings Rise to $76,700GuideTFSA vs FHSA: Which Should You Fill First?GuideSpousal RRSP: How It Works and the 3-Year RuleGuideCapital Gains Tax in Canada: How It WorksCalculatorFHSA Calculator: Room, Home Fund and Tax SavingsCalculatorCPP Calculator: Your Pension at 60, 65 or 70CalculatorMortgage Stress Test Calculator
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