📊 Financial Planning Hub
Discover where your money really goes, build your savings, and plan for a secure retirement. Start with awareness, end with action.
🔍 Step 1: Find Your Hidden Costs
Most people underestimate their spending by 3x. These calculators reveal the truth.
Subscription Calculator
The average person spends $273/month on subscriptions but thinks it's $86. Find your hidden costs.
Find Hidden Costs →Coffee Cost Calculator
Your $5 daily latte could be worth $150,000+ if invested. See the shocking true cost.
Calculate Coffee Cost →Real Hourly Wage
Think you make $25/hour? After commute and expenses, it might be $14. Find your true wage.
Calculate Real Wage →💵 Step 2: Understand Your Income
Know exactly how much you're earning and keeping after taxes.
Paycheck Calculator
See your take-home pay after federal taxes, state taxes, FICA, and deductions.
Calculate Take-Home →Hourly to Salary
Convert your hourly wage to annual salary, or salary to hourly rate.
Convert Wage →Freelance Rate Calculator
Find the right hourly rate to cover expenses, taxes, and profit goals.
Calculate Rate →🎯 Step 3: Build Your Savings
Set goals, track progress, and build financial security.
Savings Goal Calculator
Figure out how much to save monthly to reach your financial goals on time.
Set Goal →Emergency Fund Calculator
How much do you need? 3-6 months of expenses is the rule, but what's YOUR number?
Calculate Fund →Compound Interest Calculator
See how your money grows over time with the power of compound interest.
See Growth →Debt Payoff Calculator
Create a plan to become debt-free. See how extra payments save you money.
Plan Payoff →🏖️ Step 4: Plan for Retirement
It's never too early (or late) to start planning for retirement.
🗺️ The Financial Planning Journey
1. Awareness
Most people have no idea where their money goes. Use our eye-opener calculators to discover:
- Hidden subscription costs ($200+ typical savings)
- Daily habit costs (coffee, lunch, etc.)
- Your true hourly wage after expenses
💡 Finding hidden costs is the fastest way to "earn" more money.
2. Foundation
Before investing, build your foundation:
- Emergency fund: 3-6 months of expenses
- Pay off high-interest debt: Credit cards first
- Budget basics: Know your income vs spending
💡 An emergency fund prevents debt spirals when life happens.
3. Growth
Once your foundation is solid, focus on growth:
- Max employer 401k match: It's free money!
- Automate savings: Pay yourself first
- Invest consistently: Time in market > timing market
💡 $200/month invested at 7% = $528,000 in 40 years.
4. Freedom
Financial freedom means money works for you:
- Passive income: Investments generate returns
- Options: Work because you want to, not have to
- Security: Prepared for any situation
💡 The goal isn't to be rich—it's to have choices.
📋 Key Numbers to Know
The 50/30/20 Rule
Adjust based on your income and cost of living.
Retirement Milestones
Emergency Fund Targets
Job stability affects your target—less stable = more savings.
The Power of Starting Early
Investing $200/month at 7% return:
💡 10 years of delay = 50%+ less wealth. Start now!
⚠️ Common Financial Planning Mistakes
Not Tracking Small Expenses
$5/day = $1,825/year. Small leaks sink big ships. Track everything for one month.
Skipping the Emergency Fund
Without savings, one car repair leads to credit card debt. Build the fund first.
Not Getting the 401k Match
If your employer matches 3%, that's a 100% return on your first 3%. Never leave free money.
Waiting for "The Right Time"
Time in the market beats timing the market. Start with whatever you can, even $25/month.
📖 Key Financial Terms
Start Your Journey
Begin by discovering your hidden costs with our Subscription Calculator—most people find $100-300/month in savings.