Personal Finance

Are you ready to be successful in your own personal finance journey? Then read along. We have moved across continents, paid our way through graduate degrees, and successfully switched careers. At the same time, we have been working hard toward achieving our financial goals. We want to share some of the things that worked for us in making progress toward our financial goals, and things that didn’t, in the hope that it will help you do the same. Be frugal, save regularly, invest deliberately, and live consciously. Follow this mantra and you will be on the path of financial success in YOUR personal finance journey.


How much do I Need to Retire – Retirement Savings Calculator

Did you know that nearly 45% of Americans that retired last year did so because of health problems, to care for a family member or because they were forced to retire. 64% of working Americans are not on track to retire comfortably. This number is even higher in minorities. Do you have money saved if

Best side hustles

If you are looking to become financially independent, a good way to get there is to have multiple sources of income. In this article, I share different side hustles that you can start today. Each of them has different investment requirements in terms of time or money and also have different earning potentials. Be sure

Emergency Fund

An emergency fund is money you set aside to pay for unexpected expenses. Life will throw you some curveballs along the way, may not be today or tomorrow but there will be unexpected emergencies and and emergency fund will help you be prepared. Here’s why you need one A job loss is probably what comes

Car Loan Calculator – Car Affordability calculator based on monthly payment

If you are planning to finance your car purchase using an auto loan, this calculator will be very useful. It can tell you the maximum price you can afford based on your inputs. It also tells you how much you need to borrow. Car Loan Affordability based on Monthly Payments Enter your estimates below Budgeted

Stock Market Crashes and The 2020 Coronavirus-related crash

In light of the latest COVID-19 outbreak, and the recent oil price-war, the world is seeing another ongoing stock market crash that started in February of 2020. Many states (and some countries) have declared a state of emergency. Business has slowed down, many small businesses have come to a standstill. Analysts have lowered their expectations

2019 – 2021 Federal tax brackets & Marginal tax rates

The United States federal tax laws follow a progressive tax system with 2019-2020 marginal tax rates varying from 10% to 37%. Ordinary income, dividends, interest and short-term capital gains are taxed at this ordinary income tax rate. The table below shows how each additional dollar earned gets taxed by the U.S. government. This is for

Car affordability Calculator: How much car can I afford?

A car is probably the first biggest purchase of your life and perhaps the second biggest in your lifetime. The biggest purchase being your house. So when you ask the question how much car can I afford, the purchase price of the car and the monthly installments are not the only factors that you need

Compound interest calculator

This compound interest calculator calculates interest and future value of your investments over a specified period. You will understand the power of compounding through saving using this calculator. If you invest your money for a fixed interest rate with a financial institution, and make regular contributions to your account, you can watch your money grow

Free Budget Template

Keep track of your income and expenses using our free budget template. It is super easy. Just enter your monthly income and expenditures in the table below and click Calculate! The calculator will give you a breakdown of what you spend on each item. Expand each category to enter specific numbers. Don’t worry, we don’t

Debt Calculator

Are you burdened by a mountain of debt? Is it a constant struggle for you to be debt-free? Are you stressing over whether you will ever get out of your debt? Or perhaps, you are great at managing your debt but have a little extra money to pay towards your debt. Whatever the reason, use