Guides

Plain-language guides to the decisions behind each calculator: what to count, what to ignore and when the math changes. The first ones are in progress.

Cars · Coming soon
When does replacing a car actually save money?Why the newer car usually costs more, and the cases where switching pays.
Cars · Coming soon
How much car can you afford?A monthly budget that counts insurance, fuel and repairs, not just the loan.
Home & property · Coming soon
The real cost of owning a homeTaxes, insurance, upkeep and the repairs to budget for beyond the mortgage.
Money & credit · Coming soon
Cash back or travel rewards?How to compare points and cash back in dollars for the way you spend.