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Money questions, answered in plain English.
ClearCents is a library of straightforward guides and free calculators for credit, loans, debt, and saving. See the actual math behind your money — then decide for yourself.
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Calculators
9 free toolsMortgage calculator
Monthly payment with taxes, insurance, and PMI.
ToolCredit card payoff
How long your balance will take — and what it costs.
ToolLoan payment
Payment and total interest for any fixed-rate loan.
ToolCompound interest
What steady saving grows into over time.
ToolDebt-to-income ratio
The number lenders check before approving you.
ToolCredit utilization
How much of your limits you’re using — and what to pay down.
Latest guides
36 articles15-Year vs. 30-Year Mortgage: Which Should You Choose?
The real trade-off between 15 and 30-year mortgages — payment size vs. total interest — with actual numbers and a middle path.
Saving & BankingAPY vs. APR: What's the Difference?
APR is the rate you pay on debt; APY is the rate you earn with compounding included. Here's why the distinction costs real money.
BudgetingAverage Monthly Expenses for a Single Person
What a single person typically spends per month by category, based on federal data — and how to compare your own numbers.
Saving & BankingAre Online Banks Safe?
How FDIC insurance applies to online banks, the fintech caveat to check for, and how to verify a bank before depositing.
BudgetingThe 50/30/20 Budget Rule, Explained
How the 50/30/20 rule works, what goes in each bucket, and how to adapt it when your numbers don't fit.
Loans & MortgagesCan You Refinance a Car Loan? (Yes — Here's When It's Worth It)
How auto loan refinancing works, when it saves real money, and the situations where it backfires.