Free Financial Tools
Money and investing— the practical way.
Simple tools to help you budget smarter, invest better, and build wealth over time. No complexity, no jargon.
4Free
Tools
Tools
100%Free to
Use
Use
0Signups
Required
Required
Scroll
Tools
Everything you need to take control of your finances
01
Compound Interest Calculator
See how your investments grow over time with compound interest.
Try it free
02Debt Payoff Calculator
Plan your debt-free journey with avalanche or snowball methods.
Try it free
0350/30/20 Budget Splitter
Split your income into needs, wants, and investments.
Try it free
04Future Value Comparison
Compare buying now vs. investing the money instead.
Try it free
05Emergency Fund Calculator
Calculate your emergency fund target and track your progress.
Try it free
06Raise Investment Calculator
Apply the 50% Raise Rule to see how investing your raise grows.
Try it free
07Net Worth Milestone Tracker
See when you will hit $10K, $100K, $1M and other wealth milestones.
Try it free
Learn More
Practical money tips for people with regular jobs
Join the community learning to build wealth the practical way. New videos every week on budgeting, investing, and financial independence.
@joaofreire.finance
Newsletter
Get new tools and tips
Join the newsletter. No spam, unsubscribe anytime.