Guides
Plain-English explainers for the number on the screen: what the calculator includes, what it skips, and which document to trust instead (stub, Loan Estimate, card statement).
Take-home pay
Federal brackets, FICA, state wage tax, and why a 401(k) cuts income tax more than Social Security.
PITI and PMI
Why escrow is higher than the lender’s teaser payment, and when PMI can end.
Rent or buy
Down-payment opportunity cost, selling fees, and how long you must stay.
Auto loans
Trade-in, sales tax, and why a 72-month term hides the amount financed.
401(k) & Roth
Capture the match first. Compound growth is slow, then less slow.
FIRE math
FI number, savings rate, and the 4% rule without the slogans.
Card minimums
Why a 2% minimum never ends, and how a fixed payment changes months.
Snowball vs avalanche
Smallest balance versus highest APR, and when motivation is the cheaper path.