Tidy Systems Co — Free Money Tools

Free calculators and a growing library of straight-talk personal finance breakdowns. No signup, nothing stored, no fluff.

Calculators

Savings Runway Calculator
How many months your savings will last at your current spending rate.
50/30/20 Budget Calculator
Split your take-home pay into needs, wants, and savings/debt.
Debt Payoff Calculator
How long a balance takes to pay off, and what it costs in interest.
Debt-to-Income Ratio Calculator
See your safe, caution, or red flag zone.

See all 11 calculators →

Latest breakdowns

3 Signs Your Budget Is One Paycheck From Breaking
If your budget only survives a perfect month, it's not really a budget. Here are the 3 warning signs and the one number that fixes it.
The Real Cost of Paying Only the Minimum on Credit Card Debt
A $5,000 balance at 22% APR, paying only the minimum, costs $11,000+ before it's gone. Here's the real math and what changes it.
The One Number That Tells You If You're One Emergency From Broke
Emergency fund ÷ monthly essential expenses = your runway in months. Here's why that ratio matters more than the raw dollar amount.
Why Most Budgets Fail in 3 Weeks (And the Fix)
Budgets that cut all fun spending don't fail because people lack discipline. They fail because they're not built to be sustainable.
How to Find the Subscriptions You Forgot You're Paying For
The average person is paying for subscriptions they no longer use. Here's how to find $30-60/month back in five minutes.
Why Every Raise You Don't Redirect Is Costing You Your Retirement
A $500/month raise, spent instead of invested, vs. the same $500 invested at 7% — over 20 years the gap is six figures.
Same $10,000 Savings, Completely Different Safety Margin
Two people can have the identical savings balance and be in totally different financial positions. Here's why the balance alone is meaningless.
Why Your Home Value Isn't Your Net Worth
Net worth is everything you own minus everything you owe — and home equity is one line in that equation, not the whole picture.
You Can Earn Six Figures and Still Be One Paycheck From Trouble
Income solves earning problems. It doesn't automatically solve structure problems. Here are the four signs that separate the two.
What Waiting 5 Years to Invest Actually Costs You
$200/month starting at 25 vs. starting at 30, both to age 65 at 7% — those five years alone create a six-figure gap.
The Debt-to-Income Ratio That Actually Matters
DTI = total monthly debt payments ÷ gross monthly income. Under 36% is safe, 36-43% is caution, 43%+ is a red flag to most lenders.
Is Renting Really "Throwing Money Away"?
Renting isn't free, but owning isn't either. The real comparison is rent vs. every hidden cost of owning — not rent vs. a mortgage payment.
4 Signs You're One Layoff Away From Financial Disaster
You can be making great money and still be exposed. Here are the four warning signs and why one together is a pattern, not a coincidence.
What to Put in Writing With Every Wedding Vendor
Most wedding vendor disputes trace back to one thing: an assumption that was never actually written down. Here's what to get in writing.
How Many Months Can You Afford to Job Search?
Accessible savings ÷ monthly essential expenses = your job search runway in months. Here's how to calculate and extend it.
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