Tools
Free Tools for Working People.
Simple calculators and resources built for hourly workers. No signup required.
Calculators
These are in the works. Check back soon.
Debt Payoff Calculator
Enter your debts and see exactly how long it takes to pay them off – and how much interest you avoid by paying extra each month.
Coming Soon
Roth IRA Growth Calculator
See how much your Roth IRA can grow over 10, 20, or 30 years based on what you contribute each month.
Coming Soon
Budget Builder
A simple zero-based budget tool for hourly workers with variable income. Know where every dollar is going before the month starts.
Coming Soon
Recommended Resources
Tools I actually use or have vetted. No fluff.
EveryDollar
The budgeting app I use. Zero-based budgeting, free version available. If you do not have a budget yet, start here.
Visit EveryDollar →
Fidelity
Where I recommend opening a Roth IRA. No account minimums, no fees to open or maintain an account. One of the most trusted names in investing.
Visit Fidelity →
Coinbase Advanced Trade
The cheapest way to buy Bitcoin on Coinbase. Lower fees than the standard Coinbase app. Where I go when I use Coinbase.
Visit Coinbase Advanced →
Reviews
Before you use any tool, read the review. I have used these myself and I tell you exactly what I think.
Coinbase Advanced Trade Review
The cheapest way to buy Bitcoin on Coinbase. I break down the fees, the interface, and who it makes sense for.
Read the review →
Robinhood Review
What Robinhood gets right, where it falls short, and whether it belongs in your investing plan as an hourly worker.
Read the review →
Betterment Review 2026
Betterment is a robo-advisor. I break down whether the fees are worth it and whether it makes sense for hourly workers.
Read the review →