Free Money Tools & Calculators
Quick, free tools that turn a money question into a clear answer and a next step — no sign-up required, no personal information stored. Pick the question you want to answer and start.
Benefits Finder
Adults 60+ · anyone on a fixed income
Answer a few questions about your situation and see which benefit programs you may qualify for — help with food, utilities, medical costs, property taxes, and more that millions of eligible people never claim.
Takes about 2 minutes
Find benefits you may be missing →Bill Reduction Tool
Anyone with monthly bills
Walk through what you pay for utilities, phone, internet, subscriptions, and insurance — and get a personalized estimate of how much you could realistically save each month, with the steps to do it.
Takes about 3 minutes
Lower your monthly bills →Social Security Claiming-Age Calculator
Near-retirees · ages 55–70
Compare claiming at 62, your full retirement age, or 70 — see your estimated monthly check at every age, your lifetime totals, and the break-even age where waiting starts to pay off.
Takes about 1 minute
Compare your claiming ages →Tax Withholding Calculator
Anyone with a paycheck & a W-4
Check whether your paycheck is withholding the right amount of federal income tax — see if you’re on track for a refund or a tax bill, and the exact W-4 change to fix it.
Takes about 1 minute
Check your withholding →Retirement Budget Calculator
Retirees · anyone on a fixed income
Add up your monthly retirement income — Social Security, pension, savings — against your expenses to see whether you have a surplus or a gap, plus concrete next steps to close it.
Takes about 2 minutes
See if your income covers your expenses →Classroom tools & teaching resources
Teach money with the same trusted resources — free lessons, a classroom banking simulation, printable worksheets, and more for teachers, homeschoolers, and adult-education programs.
MI Bank — Classroom Banking Simulation
Teachers · grades 4–12
Run a real classroom bank — students sign in, earn a paycheck, pay bills, and manage a balance while you review every transaction. A hands-on money simulation you can set up in minutes.
Open the classroom bank →Classroom Economy
Teachers · K–12
Turn your classroom into a working economy — classroom jobs, paydays, rent, a class store, and rewards — with a free planning hub and a ready-to-use starter kit.
Explore the classroom economy →Interactive Money Lessons
Students · grades 1–12
Dozens of free, self-paced activities — making change, budgeting, paychecks, credit, compound interest, and more — that students play right in the browser.
Browse interactive lessons →Worksheet Generators
Teachers & parents
Create printable money worksheets on demand — counting coins, making change, checkbook practice, and more — then print a fresh set with a new answer key each time.
Make worksheets →Teaching Resources Library
Teachers · all grades
Hundreds of free lessons, printables, and activities across banking, budgeting, saving, credit, and economics — organized by topic and grade level.
Browse teaching resources →Adult & Senior Printables
Adult-ed & senior programs
Large-print, plain-language printables for adult and senior learners — bill trackers, budget sheets, and scam-protection checklists you can print and keep.
Get printables →
More free resources
Money Instructor also makes free classroom tools, interactive money lessons, and large-print printables for adults & seniors — bill trackers, scam checklists, and more you can print and keep.
All tools are free, run in your browser, and store no personal information. Results are educational estimates to help you decide your next step — not financial, tax, or benefits advice. Program rules and Social Security figures change over time; always confirm with the official source before acting.