109 Free Things for Managing Your Money, Retiring Early, and Getting out of Debt

How free are these resources? .

Saving Money + Budgeting 💰

Blogs

• Get Rich Slowly: Building wealth through frugality and investments
• The Finance Buff: General personal finance advice
• The Simple Dollar: General personal finance advice
• Wise Bread: General personal finance advice

Subreddits

• /r/PersonalFinance: Community of personal finance gurus
• /r/Frugal: Community focused on living frugally and saving money

Courses

• Khan Academy Personal Finance Course: Interactive course covering a range of personal finance topics
• Khan Academy Personal Finance YouTube Series: Video only course covering a range of personal finance topics
• Australian Personal Finance Course: University of New South Wales general education program in Sydney

Wikis

• /r/PersonalFinance wiki: Covers common /r/PersonalFinance topics

Tools

• Mint: Free money manager, personal finance, and budgeting software
• EveryDollar: Granular budgeting software

Calculators

• Cost of Raising a Child: Estimate the financial impact of raising a child
• More Calculators: A huge collection of free calculators covering cash-flow, credit, mortgages, college planning, cars, retirement, and more
• Even More Calculators: Another huge collection of free calculators covering cash-flow, credit, mortgages, college planning, cars, retirement, and more

High-Interest Savings Accounts

• CIT Bank 1.30% APY
• Ally Bank 1.20% APY
• Synchrony 1.20% APY
• Goldman Sachs Bank 1.20% APY
• Barclays Online Savings 1.20% APY

Peer to Peer Payments

• Venmo: Peer to peer payments with a social feed
• Square Cash: Money deposits instantly to your bank account
• Paypal: Legacy option for transferring money, user interface is improving
• Facebook Payments: Send and receive money through Messenger

Books

• Your Money or Your Life: Change your relationship with money
• The Millionaire Next Door: Learn the difference between having high income and building wealth
• I Will Teach You to be Rich: Automate your finances and learn to make more money
• Total Money Makeover: Get out of debt
• The Richest Man in Babylon: Evergreen financial advice

Credit 💳

Blogs

• NerdWallet: Credit tools and financial advice
• Better Credit Blog: General information and advice about credit
• Doctor of Credit: Consumer finance and credit advice

Credit Score

• Annual Credit Report: Check your credit reports annually
• Nerdwallet: Nerdwallet guide to building better credit
• /r/PersonalFinance: Guide to increasing your credit score
• /r/PersonalFinance: What is a FICO score?
• /r/PersonalFinance: Debt and credit repair advice

Calculators

• Debt Pay Down Calculator: Debt reduction calculator
• Debt Reduction Calculator: How long will it take to pay your debt

Cashback + Frequent Flyer Miles

• /r/churning: Earn frequent flier miles and other rewards
• /r/churning wiki: Covers common /r/churning subreddit topics
• Flyer Talk Forums: Travelers, frequent fliers, and credit card churners
• Miles Feed: Consolidated source for frequent flier and churning news

Investing 📈

Blogs

• The Motley Fool: Provides a variety of investment viewpoints
• Morning Star: Independent research, investment information, and news
• MarketWatch: News and articles related to stocks and investing
• The White Coat Investor: personal finance for professionals

Subreddits

• /r/Investing: Sharing advice about investing

Forums

• Bogleheads: Live frugally, save money, diversify, and stick to your plan
• Corner of Berkshire and Fairfax: Focused on value investing

Courses

• Bogleheads Investment Philosophy: Bogleheads investment philosophy
• Stock Series: Learn all about stocks from jlcollinsnh

Wikis

• /r/Investing wiki: Covers common /r/Investing subreddit topics
• Bogleheads wiki: Covers common Bogleheads topics
• Investopedia: Definitions for most finance and investing terms

Tools

• Personal Capital: Investment management and analytics dashboard
• Yahoo! Finance: Up-to-the-minute stock market pricing and data
• Portfolio Visualizer: Asset allocation back-testing program
• finviz: Stock portal with financial analysis, research, and visualization

Historical Data

• NYU Dataset: Stock, bond, and cash historical returns
• Robert Shiller: Stock price, interest rate, earnings data from 1871
• Fama-French: Historical returns on stocks dating to the 1920s
• FRED: Federal Reserve data on everything economics-related

Investment Accounts

• Wealthfront (free up to 15k): Automatic investments
• Betterment (free trial up to 1 year): Automatic investments
• Robinhood: Trade stocks for free

Books

• The Bogleheads’ Guide to Investing: Covers the investing philosophy discussed on the Bogleheads website and forum
• A Random Walk Down Wall Street: How to beat the market
• The Four Pillars of Investing: Investment advice
• More Books on investing: Reading list

Taxes 💀

Calculators

• IRS Withholding Calculator: IRS tax withholding calculator

Filing

• Free Tax Filing Free online filing software if income was $64,000 or less
• Free Fillable Forms: Do it yourself tax forms provided by the IRS

FAQ

• /r/PersonalFinance on taxes: /r/PersonalFinance wiki on taxes
• Capital Gains Tax: Defines capital gains tax vocabulary words

Advice

• Wisebread list: Tax help resources
• 9 ways to get free tax help: Tax help from real humans
• Avoiding Scams: Advice from /r/PersonalFinance on avoiding tax scams

Forums

• fairmark.com tax forums: Tax advice for investors

Early Retirement 🏖️

Blogs

• Mr. Money Mustache: Financial freedom through badassity
• Mad Fientist: Financial independence/early retirement advanced
• jlcollinsnh: Early retirement advice from a retired guy

Subreddits

• /r/FinancialIndependence: Financial independence/early retirement
• /r/LeanFire: Achieve financial independence by spending less money

Forums

• MMM Forums: The Mr. Money Mustache forums
• Early Retirement Extreme: The Early Retirement Extreme forums
• Simple living: Living below your means and saving money
• early-retirement.org: Early retirement and financial independence

Wikis

• /r/FinancialIndependence wiki: Covers common topics from the /r/FinancialIndependence subreddit
• Early Retirement Extreme wiki: Built and maintained by the readers of the Early Retirement Extreme blog

Calculators

• Retirement Next Egg Calculator by Vanguard: Calculate how much money you need to save in order to retire
• Financial Independence/Retire Early (FIRE) Calculator: How much money you’ll need in your portfolio to retire early
• Personal Portfolio Calculator: Retirement portfolio calculator

Books

• Early Retirement Extreme: by Jacob Lund Fisker
• /r/Investing Book List: List of books recommended by /r/investing

Buying a House 🏡

Blogs

• BiggerPockets: Real estate investing, personal finance, and marketing
• Real Estate in Your Twenties: Targeted at people in their twenties

Tools

• Real Estate Tools: Free iphone/mac apps for real estate calculations
• Chase Home Value Estimator: Estimate market value of a home
• Eppraisal: Property valuation tool
• New Western: Investor resource center

Real Estate Search

• Redfin: Real estate search and discount-commission brokers. Redfin’s website tends to be the most up to date since they are also a brokerage.
• Realtor.com: Real estate search
• Trulia: Real estate search and neighborhood info
• Zillow: Real estate search including self-listed properties
• Craigslist: Search the real estate section for houses for sale
• For Sale By Owner: Buy and sell self-listed homes

Calculators

• Rent or Buy: Decide whether to buy a home or to rent
• Karl’s: Mortgage calculator

Inspired by this list of 300+ free resources for Entrepreneurs.