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Personal finance, minus the headache.
PennyWisecrack breaks down money basics for everyone — saving, spending, paychecks, investing, and everything school forgot to cover.
Example
Where does $4,000 a month go?
- Housing$1,000
- Other needs$1,000
- Wants$1,000
- Savings$1,000
Try the Budget Buckets calculator →
What are you trying to figure out?
Pick the question on your mind and we'll point you to the right tool.
Getting a handle on your money
Decide where your pay goes each month, and see where you stand today.
- Budget Buckets
- Net Worth
What will I actually take home?
See what's left after taxes, whether it's a paycheck, a bonus, or freelance income.
- Paycheck Estimator
- Bonus Estimator
- Income Tax
Saving and growing your money
Save up for something, watch your money compound, and plan for retirement.
- Sinking Fund
- Compound Interest
- Retirement
Thinking about making a purchase?
Before you buy a car, a home, or anything big, see what it really costs, now and later.
- Car Loan
- Mortgage
- Opportunity Cost
Paying off debt
Make a plan to get out of debt faster, including student loans.
- Debt Payoff
- Student Loans
Simple on purpose
No jargon walls, no upsells, no logins. Just clear answers about your money.
- 13free calculators
- From budgets and paychecks to mortgages and student loans.
- 0accounts needed
- No sign-up, no email. Just open a tool and use it.
- 100%private
- The numbers you type stay in your browser. We never see them.
- 2026tax-year numbers
- Tax tools use current-year rules, so estimates stay realistic.