Smart Financial Planning
Powered by Live Federal Reserve Data

Real-time mortgage rates, 50-year loan analysis, and expert guidance—not just calculators

Powerful Financial Tools

Everything you need to make confident money decisions

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🆕 Mortgage Calculator

NEW! Compare 15, 30, and 50-year mortgages side-by-side with live Federal Reserve rates. See exactly how much you save or pay in interest across all three terms at once.

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Loan & Amortization

Calculate custom loan payments with any term or rate. View complete amortization schedules showing how payments shift from interest to principal.

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Savings Goals

Plan for any savings goal with timeline tracking. Compare simple vs. compound interest growth with visual charts.

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Debt Payoff

Create a strategic payoff plan for multiple debts. Compare avalanche vs. snowball methods and see total interest savings.

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Rent vs. Buy

Compare the true cost of renting versus buying. Visualize break-even points and make informed housing decisions.

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Emergency Fund

Calculate your ideal emergency fund target based on your monthly expenses and risk tolerance.

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Currency Converter

Real-time exchange rates for major global currencies. Perfect for travelers and international transactions.

Why Choose Everyday Money Tools?

No Account Required

Start using immediately—no signup, no login

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Privacy First

Your data stays on your device—we don't collect anything

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Works Offline

Use the app anywhere with cached data

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No Ads

Clean interface with no distractions or upsells

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Visual Insights

Interactive charts make complex data easy to understand

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Plain Language

No financial jargon—just clear, actionable answers