Your money.
Your business.
Free calculators that never upload your numbers, plain-English guides from budgeting to private wealth, and a no-pressure way to meet a fee-only advisor.
Run the numbers — privately
Every calculator runs on your device, supports eight currencies and explains its math.
Compound Interest Calculator
See how a lump sum plus monthly contributions grows over time.
🏖️Retirement & FIRE Calculator
Find your nest-egg target and the monthly savings needed to reach it.
🏡Mortgage Calculator with PMI
Monthly payment, total interest, taxes, insurance and PMI in one view.
⛓️Debt Payoff Planner
Compare avalanche and snowball side by side and see your debt-free date.
🧮50/30/20 Budget Calculator
Split take-home pay into needs, wants and savings — and compare to reality.
🛟Emergency Fund Calculator
Find your safety-net target and how long it'll take to build.
💳Loan & EMI Calculator
Monthly payment (EMI), total interest and true cost of any loan.
⚖️Net Worth Calculator
Add up assets and liabilities. Optionally save it on this device only.
What's your Financial Health Score?
Six quick questions. Get a score out of 100 and the three moves that would improve it most. Your answers never leave your device.
Question 1 of 6
How many months of essential expenses do you have saved in cash?
Question 2 of 6
How much high-interest debt (credit cards, payday, overdraft) do you carry?
Question 3 of 6
What share of your take-home pay do you save or invest?
Question 4 of 6
How is your retirement saving going?
Question 5 of 6
How do you track your spending?
Question 6 of 6
Which protections do you have? (insurance, a will, credit freeze, strong passwords)
Start with the essentials
Researched, balanced and written in plain English — with country notes where the rules differ.
How Much Do You Need to Retire? The 25x Rule and Its Limits
Estimate how much you need to retire using the 25x and 4% rules, understand their caveats, compare FIRE variants and see how state pensions differ by country.
8 min readBudgetingThe 50/30/20 Budget Rule: How It Works and When to Adapt It
A clear guide to the 50/30/20 budget: what belongs in needs, wants and savings, a worked example, how to adjust it, and alternatives like zero-based budgets.
7 min readRetirementHow to Choose a Fee-Only Financial Advisor
Fee-only vs fee-based vs commission advisors explained, the credentials to look for by country, how to verify registration, interview questions and red flags.
7 min readInvestingIndex Funds 101: How Index Funds and ETFs Work
A plain-English guide to index funds and ETFs: how they work, why fees matter over decades, which index to choose, and tax-advantaged accounts by country.
8 min readDebtDebt Avalanche vs Snowball: Which Payoff Method Fits You?
Compare the debt avalanche and snowball methods with a worked three-debt example, the behavioural trade-offs, hybrid options and when consolidation may help.
7 min readPrivacyFinancial Privacy: How to Protect Your Money and Identity
Practical steps to protect your financial privacy: credit freezes, data brokers, app permissions, phishing and SIM-swap defence, and what to do if compromised.
7 min readHow the wealthy actually manage money
Private banking, wealth managers, private credit and private equity — what they cost, who they're for and the questions to ask before you sign.
Private Wealth Management: Services, Fees and How to Choose
What private wealth management covers, who it suits, how firms charge, and how a small difference in annual fees can com…
Private wealthPrivate Banking Explained: Perks, Costs and Trade-offs
How private banking works, what the minimums are, which perks are worth having, where conflicts of interest arise, and t…
Private wealthPrivate Credit for Individual Investors: Yield, Risk, Access
A balanced guide to private credit: how direct lending works, why it grew, what drives its yields, its liquidity and fee…
Private wealthPrivate Equity for Individuals: How It Works and What to Weigh
How private equity works for individual investors: capital calls, the J-curve, 2-and-20 fees, semi-liquid funds, key ris…
Curated video explainers
Hand-picked from respected educators. Videos load only when you press play.
Introduction to Compound Interest
Khan Academy
The Case for Index Funds
Ben Felix
Budgeting and the 50:30:20 rule
Khan AcademySupport independent finance education
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Questions, answered
Is Private.Finance really free?
Yes. Every calculator and guide is free. The site is funded by advertising, sponsorships, reader support and referral fees from professional firms when readers ask to be introduced — never by charging you.
What does 'private by design' mean?
Our calculators run entirely in your browser. The numbers you type are never sent to our servers or anyone else's. The only data we receive is what you deliberately submit in a form, such as a request to be matched with an advisor.
How does the advisor matching work?
You answer a few questions about your goals and situation. We review your request and introduce you to independent, fee-only professionals who fit. There is no fee and no obligation to hire anyone.
Which countries do you cover?
Our guides explain concepts that apply everywhere and note where rules differ in the United States, Canada, the United Kingdom, India and Australia. Calculators support multiple currencies.
Is this financial advice?
No. Everything here is general education. For advice about your specific situation, speak with a licensed professional.