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Today's Money30-Year Mortgage7.40%Savings APY0.37%Credit Card APR21.19%Effective Fed Funds Rate3.88%Inflation3.72%S&P 5007,659
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Make Smarter Money Moves with Practical Finance Guides & Tools

Understand your money, save more, and make smarter financial decisions with practical guides, calculators, and clear explanations — no jargon.

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Free Money Calculators

Run your numbers before you make a financial decision.

Savings CalculatorCD CalculatorMonthly Budget CalculatorNet Worth CalculatorEmergency Fund CalculatorDebt-to-Income CalculatorDebt Snowball CalculatorDebt Avalanche CalculatorMortgage Refinance CalculatorRent vs Buy CalculatorInterest-Only Loan CalculatorARM Mortgage Calculator401(k) CalculatorIRA Calculator529 CalculatorRetirement Withdrawal CalculatorDividend CalculatorSalary After Tax CalculatorHourly-to-Salary CalculatorOpportunity Cost CalculatorCar True Cost CalculatorCrypto Profit & Loss CalculatorCrypto Average Buy Price CalculatorCrypto Break-Even Price CalculatorCrypto Trading Fee Calculator

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Money Guides

Clear explanations for real-world financial decisions.

A couple reviewing mortgage paperwork at a kitchen table with a calculator
Mortgages

What Is Private Mortgage Insurance and When Do You Pay It?

A plain-English look at PMI: what it protects, who pays it, how long it lasts, and how it gets removed.

Mohammed Salman · Sep 16

Illustration of the Federal Reserve building with arrows pointing to savings, credit card, and mortgage icons

Money News

How the Fed's Rate Decision Affects Your Money

Mohammed Salman · Sep 11

Two workers reviewing retirement plan documents comparing a pension statement and a 401(k) account balance

Investing

Pension vs 401(k): How Each Retirement Plan Works

Mohammed Salman · Sep 26

Money

How Much Does A Real Estate Agent Make On A Home Sale?

A plain-English look at how real estate commissions are split, who pays them, and what an agent actually keeps after the broker takes a cut.

Mohammed Salman · Oct 1

Illustration of a credit score gauge with five factors listed around it

Credit

How Is a Credit Score Calculated?

Mohammed Salman · Sep 7

Illustration of blockchain blocks linked by chains with a padlock

Crypto

What is a blockchain and how does it work?

Mohammed Salman · Sep 9

Crypto

What Is the Difference Between a Coin and a Token?

A coin runs on its own blockchain. A token is built on top of someone else's blockchain.

Mohammed Salman · Sep 11

More ways to explore

Live data, history and calculators, all from official sources.

Time Machine

What was $10,000 worth in 2016?

Dollar value since 1950 and 30-year mortgage rates since 1971, from the price index and Freddie Mac.

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Today's US money rates

Mortgage, savings, card and Fed rates with five years of history, every figure dated and sourced.

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32 free calculators

Mortgages, debt, saving, retirement and more. Every formula and assumption is shown.

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Buying a Home

Affordability, payments, refinancing, ARM and interest-only loans, rent vs. buy.

Mortgage Calculator →Related guides →

Paying Off Debt

Payoff timelines, snowball vs. avalanche, and loan payments.

Credit Card Payoff Calculator →Related guides →

Saving Money

Safety net, CDs, budget, and savings goals.

Savings Calculator →Related guides →

Investing

Growth, dividends, college savings, and what a purchase really costs you.

Compound Interest Calculator →Related guides →

Buying a Car

Loan payments and the real cost of ownership after resale value.

Car True Cost Calculator →Related guides →

Retirement

How much you need, how to get there, and how long it lasts.

Retirement Calculator →Related guides →

Income

Understand your take-home pay.

Salary After Tax Calculator →Related guides →

Credit

Know your debt-to-income ratio.

Debt-to-Income Calculator →Related guides →

Crypto Trading

Cost basis, break-even and what exchange fees really take out of a trade.

Crypto Profit & Loss Calculator →Related guides →

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Today's Money Snapshot

Key US financial indicators — sourced and timestamped, never invented.

View all market data →Explore the history →

30-Year Mortgage

7.40%

Freddie Mac Primary Mortgage Market Survey — via FRED · as of Oct 15

Savings APY

0.37%

FDIC National Rates and Rate Caps — via FRED · as of Sep 1

Credit Card APR

21.19%

Federal Reserve (G.19) — via FRED · as of Aug 1

Effective Fed Funds Rate

3.88%

Federal Reserve — via FRED · as of Oct 15

Inflation

3.72%

U.S. Bureau of Labor Statistics — via FRED · as of Sep 1

S&P 500

7,659

S&P Dow Jones Indices — via FRED · as of Oct 16

10-Year Treasury

5.10%

U.S. Department of the Treasury — via FRED · as of Oct 15

Editor's Picks

Money News

How Does Inflation Affect the Value of Your Savings?

Inflation quietly shrinks what each saved dollar can buy. Here is the math behind that loss and the terms that describe it.

Banking

What is APY and how is it different from an interest rate

APY includes compounding, so it shows what you really earn in a year. Interest rate alone doesn't.

Credit

What Counts as a Good Credit Score?

Learn what lenders consider a good credit score, how ranges work, and what affects your number.

Money News

What changed, why it matters, what it means for your money.

Money News

How the Fed's Rate Decision Affects Your Money

What changed? The Fed sets a target range for the federal funds rate (3.75%–4.00% since September 17, 2026); the effective rate was 3.88% as of September 24, 2026. That benchmark flows into the prime rate, which drives variable credit card and home equity rates, while mortgage rates track long-term bond yields. Savings rates follow only as much as each bank decides to pass along.

Why it matters: A plain-English look at how one overnight lending rate ripples into savings, loans, credit cards, and mortgages.

Read the full analysis →

Money News

Bond Yields and Interest Rates: How They Connect

What changed? Bond yields and interest rates move in opposite directions. When market interest rates rise, existing bond prices fall, which pushes their yields up. When rates fall, bond prices rise and yields drop. The Fed's policy rate, an effective 3.88% as of September 24, 2026, influences this relationship across savings, loans, and investments.

Why it matters: Bond yields and interest rates pull on each other in ways that shape savings, loans, and portfolios.

Read the full analysis →

Money News

How Does Inflation Affect the Value of Your Savings?

What changed? Inflation reduces the purchasing power of every dollar you have saved. In an example where your account pays 0.40% and prices rise 3.00%, your balance grows but buys about 2.6% less each year. The gap between your interest rate and the inflation rate is the real change in your savings value.

Why it matters: Inflation quietly shrinks what each saved dollar can buy. Here is the math behind that loss and the terms that describe it.

Read the full analysis →

The Money Brief

A weekly plain-English email on money and markets — what changed and what it means for your money. No spam.