I want to save more
Find money in your everyday life without giving up living.
Personal finance in plain English
Your money, demystified.
Guides you can read in minutes and calculators that never ask for your data. Save more, get out of debt and plan ahead without depending on anyone.
16practical, jargon-free guides
3free calculators
0personal details requested
Compound interest
Move the sliders and watch your savings grow
Each bar is one year. In blue, what you put in; in terracotta, what your interest earns on its own.
You contributed72,000
Interest94,452
What you contributeInterest
Where to start
Four paths, depending on what worries you today
You don't need to read everything. Pick the path that fits where you are and follow it in order.
I want to organize my paycheck
Decide where every part of your money goes before you spend it.
I want to get out of debt
A plan to stop paying interest and take back control.
I want to think long term
Protect yourself from surprises and prepare your next big steps.
Try it in 10 seconds
A quick calculation and a question
Test your instinct
You have three debts and some extra money each month. If you want to pay as little interest as possible, which one do you tackle first?
Library
All guides
6 to 9 minute reads with examples and concrete steps.
How to save money: 25 tips that actually work
Concrete strategies to spend less on food, bills, shopping and subscriptions without feeling deprived.
Read guide →How to make a monthly budget, step by step
A simple 6-step method to see where your money goes and decide where you want it to go.
Read guide →The 50/30/20 rule: what it is and how to use it
The easiest way to split your paycheck between needs, wants and savings. Calculator included.
Read guide →Emergency fund: how much you need and how to build it
The cushion that protects you from surprises: how much to keep, where to hold it and how to start on a low income.
Read guide →How to save money on minimum wage
A realistic guide to building a cushion when your paycheck barely stretches: structure, cuts and earning a little more.
Read guide →Small daily expenses: what they are and how to cut them
Little everyday purchases can add up to almost a thousand a year. Learn to spot them and get that money back.
Read guide →The 52-week savings challenge
Save a little more each week and end the year with 1,378. Variations for any income.
Read guide →How much to save before moving out
Deposit, moving costs, furniture and a cushion: work out what you need before you take the leap, with a checklist.
Read guide →How to get out of credit card debt
A 7-step plan to escape the minimum payment trap and stay out of debt for good.
Read guide →Debt snowball vs. avalanche
Which debt should you pay first? We compare both methods with a real example of interest and timelines.
Read guide →How to improve your credit score
What lenders look at before they lend to you, and 9 steps to improve your score or build one from scratch.
Read guide →The envelope budgeting method
Split your money into categories and only spend what's in each envelope. With cash or digitally.
Read guide →Money as a couple: how to organize your finances
Joint or separate accounts, how to split costs when you earn different amounts and how to save for shared goals.
Read guide →How to save money on groceries
20 tips to spend less at the supermarket without eating worse: before you go, in the store and at home.
Read guide →What inflation is and how it affects your savings
Why your money buys less every year, the rule of 72 and what you can do to protect your savings.
Read guide →How much to save for retirement by age
Work out what you need and see why starting at 25 instead of 45 multiplies the result.
Read guide →
Tools
Free calculators
They run in your browser: we never store or send the numbers you type.
Compound interest calculator
See how much your savings could grow with monthly contributions and time.
Use calculator →Savings goal calculator
Saving for a trip, a car or a down payment? Find out how much to put aside each month.
Use calculator →50/30/20 calculator
Enter your monthly income and instantly see how to split it between bills, wants and savings.
Use calculator →Start with just one thing this week
You don't need to overhaul your whole financial life at once. Pick one habit, keep it for a month and add the next. We write for people with ordinary incomes; we don't sell financial products and the site is funded by advertising.
See the 25 ways to save money