Two Cents Toolkit

Smart Financial Decisions Made Simple

Calculators, resources, and thoughts to help you understand your money better.

Free
100%
All tools accessible to everyone, no hidden fees or subscriptions required
Tools Available
1+
We're just getting started. Check back soon!
Easy to Use
3 min
Average time to get the answers you need

Featured Calculators

Popular

Wealth Building Potential Calculator

Calculate your earning potential from now until retirement.

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Mortgage Calculator

Calculate monthly payments, total interest, and compare loan options side-by-side.

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Retirement Planner

See how much you need to save today to reach your retirement goals tomorrow.

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Budget Planner

Track income and expenses with the 50/30/20 rule for balanced spending.

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Debt Payoff vs Investment Return

Compare the long-term benefits of paying off debt versus investing.

Coming Soon

Investment Growth

Project how your investments will grow with compound interest over time.

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Featured Posts

Welcome to the Two Cents Toolkit!
October 5, 2025

Welcome to the Two Cents Toolkit!

We started Two Cents Toolkit because we realized that the world of money management is full of jargon, ancient-looking spreadsheets, and advice that feels about as relevant as a Blockbuster membership card.

Explore Our Categories of Tools (Coming Soon)

Home & Property

  • • Mortgage Calculator
  • • Rent vs Buy
  • • Property Tax Estimator
  • • Home Affordability

Savings & Retirement

  • • Retirement Planner
  • • 401(k) Calculator
  • • IRA Contribution Limits
  • • Emergency Fund Guide

Loans & Debt

  • • Loan Calculator
  • • Credit Card Payoff
  • • Student Loan Planner
  • • Debt Consolidation

Investing & Growth

  • • Investment Calculator
  • • Compound Interest
  • • Stock Return Estimator
  • • Portfolio Rebalancer