U.S. Personal Finance

Your money.
Your direction.
Your plan.

Practical tools for budgeting, credit and retirement planning, designed to help you understand where your money stands and where it could go next.

Start planning How FinanceGuide works

Client planning tools Practical calculations U.S.-focused

Plan

With clarity

Budget

Monthly

Credit

Strategy

Retirement

Long term

39.8283° N

FIN / 01

Financial reference points

Illustrative benchmarks

4.6%

Personal savings rate

A broad measure of household saving

Reference

717

Average FICO score

A commonly cited national reference point

Reference

6.4%

30-year mortgage rate

Illustrative fixed-rate market reference

Reference

$127.1K

401(k) balance

Example retirement-account reference

Reference

Tool 01 · Budgeting

A practical 50/30/20 budget planner

Start with your monthly income, account for essential expenses, and see how the rest of your money can be divided between flexible spending, savings and debt payments.

Open the planner

A household budget spreadsheet with a calculator on a desk

Close-up of a credit card beside financial statements

Tool 02 · Credit

Understand your credit picture

Review revolving utilization, explore debt payoff approaches, and see how different payment assumptions can affect the time and interest needed to clear balances.

Open the optimizer

Tool 03 · Retirement

Plan across your retirement accounts

Compare potential long-term growth across a 401(k), Roth IRA and HSA using your contribution amount, employer match, expected return and time horizon.

Open the models