Personal finance, lined up
Sorted Finance
Get your money numbers in order. Line up payments, debt order, and goals—then check the steps and the fine print.
01
Run the math
Nine browser tools for housing, debt order, goals, budgets, and growth—no account.
Toolkit
Calculator index
Pick a line. Numbers stay on your device. Use them to prepare questions—not as offers or forecasts.
- 01Mortgage Payment SorterSort principal & interest plus optional tax, insurance, and HOA for a fixed-rate home loan—with a clear amortization view. Free in-browser tool.Open
- 02Installment Loan SorterSort monthly payment, total interest, and full repayment on fixed-rate installment loans. Compare terms before you sign.Open
- 03Compound Growth SorterSort how a starting balance and monthly deposits can grow at a rate and compounding frequency you choose. Educational illustration only.Open
- 04Investment Projection SorterSort a future value sketch from principal, monthly investing, and an assumed annual return. Planning math—not a market prediction.Open
- 05Retirement Nest-Egg CheckSort whether ages, current savings, monthly contributions, and an assumed return might reach a dollar target by retirement. Simplified model with plain limits.Open
- 06Card Payoff Timeline SorterSort months to clear a card balance and total interest at a fixed APR—or the payment a deadline would require.Open
- 07Multi-Debt Payoff SorterSort snowball vs avalanche order across several balances. See months to debt-free, interest, and which account to attack first.Open
- 08Savings Goal Timeline SorterSort how long a goal may take at your deposit rate—or the monthly amount a deadline would need. Optional assumed growth included.Open
- 0950/30/20 Cash-Flow SorterSort take-home pay into needs, wants, and savings targets—then compare those targets with what you actually spend.Open
Library
Guides, filed by topic
Clear walkthroughs on mortgages, credit, saving, investing, retirement, and budgeting.
Mortgages
04- MortgagesHomeowners Insurance as Part of Your Monthly Housing BillSee how Sorted Finance places homeowners insurance inside U.S. housing costs—escrow, renewal jumps, replacement cost, and why a fixed mortgage rate still allows the total payment to rise.
- MortgagesMortgage Refinance Decisions: Rate, Fees, and Break-EvenSorted Finance’s refinance checklist covers rate drops, closing costs, term resets, cash-out tradeoffs, and how to judge whether a new U.S. mortgage earns back its price of admission.
- MortgagesMortgage Rate Structures: When Fixed Certainty Beats ARM FlexibilitySorted Finance compares fixed-rate and adjustable-rate mortgages—payment stability, intro periods, indexes, margins, caps—and the timeline questions that decide which structure fits.
- MortgagesCash to Close: Breaking Down Mortgage Fees and PrepaidsSorted Finance breaks U.S. mortgage closing costs into shoppable fees, fixed charges, and prepaids—so you plan wire-day cash from Loan Estimates instead of guessing from national averages.
Credit
04- CreditA Side-by-Side Checklist for Comparing Loan OffersUse Sorted Finance’s practical checklist to compare U.S. loan offers—APR versus fees, payment and term, prepayment rules, and total cash out—so a lower headline rate does not hide a costlier deal.
- CreditCar Financing Math: Price, Rate, Term, and What You Actually OweWalk through how Sorted Finance breaks down a U.S. auto loan—out-the-door price, amount financed, APR, term length, and why the monthly quote alone is a weak shopping tool.
- CreditStudent Loan Interest: Daily Accrual, Capitalization, and Extra PaymentsSorted Finance explains how U.S. student loan interest accrues, when unpaid interest can join principal, and how repayment or private refinance choices change total cost with labeled examples.
- CreditHow Credit Card Interest Accrues on a Revolving BalanceSorted Finance breaks down credit card interest from APR to daily periodic rates and average daily balance—and why minimums can keep debt alive for years.
Investing & retirement
04- InvestingPurchasing Power: Why Tomorrow’s Dollar Buys LessSorted Finance explains how inflation shrinks what money buys, why nominal balances mislead long-term plans, and how to keep U.S. retirement math in consistent real or nominal units.
- InvestingBuilding a Risk Budget: Asset Allocation Without the JargonSorted Finance shows how to assign stocks, bonds, and cash by goal and timeline, why the mix usually dwarfs ticker picking, and how simple rebalancing rules keep a written plan intact.
- RetirementRMDs Explained: Ages, Account Types, and How the Amount Is SetSorted Finance walks through required minimum distributions—when they start, how life-expectancy factors set the dollars, penalties for shortfalls, and how Roth and workplace accounts differ.
- RetirementRoth vs Traditional IRA: Tax Timing, Limits, and Access RulesSorted Finance compares Roth and Traditional IRAs on when tax applies, 2026 contribution and income limits, withdrawals, RMDs, and a labeled example—without guessing your future bracket.
Saving & budgeting
04- SavingCash Parking Spots: Matching Savings, Money Markets, and CDs to TimingSorted Finance compares high-yield savings, money market deposit accounts, and CDs by access, rate flexibility, insurance, and which cash job each product should own on your calendar.
- SavingReading Deposit APY: Compounding, Variable Rates, and Fair ComparisonsSorted Finance explains how annual percentage yield turns a deposit’s rate and compounding schedule into one yearly figure—and how to shop savings and CDs without treating APY as a forever guarantee.
- BudgetingBuild a Cash-Flow Calendar Around Payday and Due DatesMap bill due dates against your Sorted Finance payday rhythm so rent, cards, and irregular costs land when cash is actually in checking—not mid-cycle when the balance looks “available.”
- BudgetingSinking Funds: Pre-Saving for Bills You Can Already NameLearn how Sorted Finance frames sinking funds for U.S. households—naming upcoming costs, sizing payday transfers, and keeping emergency cash separate from predictable bills.
Sorted Finance is an education site. Our tools and writing help you organize questions—they do not replace advice from a licensed professional.
Full library