MoneyMatters.
Serious financial tools, without the gatekeeping.
Most of this industry makes money by keeping you confused. We built the opposite: a free diagnostic, transparent tools, and advisors vetted before they ever see your name.
Haven't checked your Financial Health Score yet?
Start hereWhy we exist
Financial planning shouldn't require a six-figure salary or a finance degree.
Professional planners charge hundreds to thousands per session. Most online tools oversimplify your situation, hide their math, or harvest your data to push products you didn't ask for.
MoneyMatters was built to fix that: serious, transparent tools for people who want to understand and control their own money.
What makes us different
Transparent math.
Every formula behind every tool is visible, not a black box — see exactly how your Financial Health Score, retirement projection, or recommended allocation was calculated.
Vetted, not sold.
Every advisor in our network is independently vetted for CFP® certification, fee-only compensation, and fiduciary duty. We don't sell your data.
Free to start.
The diagnostic and every basic tool are free, with no signup wall. $5/month unlocks advanced tools, webinars, and advisor Q&A when you want to go deeper.
Real depth.
Built by people who use these tools to plan their own finances — not marketers chasing the latest trend.
How we make money (and why it doesn't compromise you)
MoneyMatters is free to use because we're paid by the advisors in our network — not by you. When you choose to connect with an advisor, we may receive a referral fee. That fee never affects which advisor you're matched with: every advisor in our network is independently vetted for CFP® certification, fee-only compensation, and fiduciary duty, full stop. We don't get paid more for pushing you toward any one advisor, product, or outcome. Your data is only shared with an advisor when you explicitly choose to connect — never by default, never sold to anyone else.
How it works
See where you stand
Take the free Financial Health Score or Net Worth diagnostic — under 2 minutes, no signup required to start.
Go deeper for free
Use the Budget, Retirement, and Investment tools directly on the site. Every formula is visible, nothing is hidden.
Level up when ready
$5/month unlocks advanced tools and advisor Q&As, or get matched with a vetted, fee-only advisor directly.
Frequently asked questions
What's actually free?
The Financial Health Score and Net Worth diagnostics, and the Budget, Retirement, and Investment tools — all free, no signup wall to try them. Creating an account (via a magic-link email, no password) saves your results and unlocks the community and advisor matching.
What do I get for $5/month?
Advanced versions of the tools, new tools as we release them, explainer and how-to videos, webinar access, and advisor Q&A sessions. One subscription, everything included — no per-tool pricing.
Can I cancel anytime?
Yes — no lock-in. Cancel anytime and keep access through the end of your billing period.
Is this financial advice?
No. MoneyMatters tools are educational. For decisions with major consequences, connect with one of our vetted advisors or another licensed financial professional.
How do you actually vet advisors?
Every advisor in our network is confirmed CFP®-certified, fee-only (no commissions), and held to a fiduciary standard before they're allowed in front of any user. See how we make money for the full picture.
How is this different from apps like Mint or YNAB?
Those are subscription apps built around linking your bank accounts and paywalled tiers. Ours run on numbers you enter yourself, every formula is visible, and going deeper — advanced tools or a real advisor — is your call, not a paywall you hit by accident.
Built on real principles
Our tools are grounded in widely-accepted personal finance frameworks: zero-based budgeting, the 4% safe withdrawal rule for retirement, compound-interest modeling for long-term planning, and standard net-worth accounting.
Where we make assumptions (like return rates or inflation), we tell you what they are and let you adjust them. No black boxes.