Learning Tools
Educational tools designed to help you understand personal finance concepts calmly and clearly — without advice, recommendations, or collecting personal details.
Privacy tip: Please don’t share sensitive information (passwords, SSN, bank logins, full account numbers, address, or employer details). General questions and fictional rounded numbers are perfect.
Budgeting Assistant (Educational)
Learn how people commonly think about budgeting categories, trade-offs, and structure using simple explanations and fictional examples.
Penny AI – Financial Concepts
A structured library of beginner-friendly explanations covering core personal finance ideas.
Reminder: All tools are educational only. They do not provide financial, legal, or tax advice.