Your money, made clearer
Plan dividend and interest income, spot changes in bills, build a cash buffer, compare places to save, and keep ahead of CD maturity dates. No subscription or bank connection required.
A calmer money routine
See the answer first. Review your assumptions. Return when rates or your plans change.
01 · Income target
Find the capital needed for a monthly income target at several distribution yields.
Calculate your target →02 · Cover your bills
Combine dividends and interest, then test how a payout cut or lower rate changes bill coverage.
Stress test income →03 · Compare cash
Use a dated Treasury benchmark and your ETF yield to compare estimated annual cash after tax.
Compare payouts →04 · Household bills
Bring a bill or statement, organize recurring costs, and see what changed between bills.
Organize your bills →05 · Cash buffer
See how long your cash lasts, then stress test an income drop and spending cut.
Check your runway →06 · Where to park cash
Compare a CD offer with a dated Treasury benchmark and estimate the state-tax difference.
Compare returns →07 · Before maturity
Turn your CD disclosure into a review date, grace-period estimate, and calendar reminders.
Plan a renewal →08 · Before withdrawal
Find institution-specific source coverage and estimate what closing a CD early may cost.
Check a penalty →09 · Keep track
See your CDs in one calendar and save them to your free TFS account if you choose.
Organize your CDs →Explore the public bank-change ledger, then follow your own banks and credit unions in Bank Watch.
No advertising or analytics scripts run on these tool pages. Estimates are educational; source records, account agreements, quotes, and tax circumstances control.