$18.8T
U.S. household debt
New York Fed household-credit snapshot · Q2 2026 · last verified snapshot.
MyFriendAlex
Independent tools. Source-backed numbers. One money workspace.
Explain it · run it · remember it
Clear numbers. Better financial decisions.
Start with the decision you are trying to make. MFA connects live context, calculators, Guides and your saved Money Plan instead of making you hunt through disconnected tools.
No bank login required Free calculators + Guides Sources and assumptions shown
What are you trying to figure out?
Start with the decision. You shouldn't have to know which calculator you need.
Need current data or deeper planning?
Open those layers when you need them — they don't have to clutter the everyday experience.
MFA Live · Money Today · source checked last verified
The numbers worth knowing now.
Source-fed rates and markets, connected to useful math instead of static headlines.
25 free calculators50 states + DC covered
30Y mortgage
Last verified
6.66%
Freddie Mac · Aug 27 · ≈$2,571/mo P&I on $500k home, 20% down
10Y Treasury
Last verified
4.67%
Treasury · Aug 27
Inflation
Last verified
3.4%
12-mo CPI · Jul 1
S&P 500
+0.86%
7,656.98 · Sep 11
Market index data is fetched every five minutes while open, though underlying feeds may be delayed. Mortgage, Treasury, CPI and labor data follow their source publication schedules. If a refresh fails, MFA labels the fallback rather than presenting it as live.
Cash rates
What could $100K earn at recently verified rates?
Standard APYs only. Homepage rankings include only rates verified within MFA's current freshness window; promotional boosts stay separate in the full comparison.
Source check Sep 12, 12:07 AM
CIT Bank
Platinum Savings
APY
3.75%
1-year modeled interest
$3,750
Official source checked 2d ago
Marcus
Online Savings Account
APY
3.40%
1-year modeled interest
$3,400
Official source checked 1d ago
Wealthfront
Cash Account
APY
3.30%
1-year modeled interest
$3,300
Official source checked 1d ago
Illustration assumes the displayed variable APY remains unchanged for one year. Rates can change at any time; verify the linked institution before acting.
Money at stake
See where the numbers can actually matter.
Source-dated national figures and transparent examples of financial opportunities MFA can help you model. These are not promises of savings — your result depends on your own plan, debt, rates and decisions.
$1.26T
Credit-card balances
Outstanding U.S. credit-card balances in the same Q2 2026 report · last verified snapshot.
$4,000/yr
Example 401(k) match opportunity
On $100,000 of pay, Fidelity’s most-common formula can equal a 4% employer contribution when the employee contributes 5%. Your plan may differ.
$131/mo
0.50-point mortgage-rate gap
On a $400,000 30-year loan, 6.66% versus 6.16% changes principal + interest by about $131/month — roughly $47,162 over 30 years before fees or early payoff. Freddie Mac benchmark · last verified snapshot.
What MFA is built to uncover
Employer match. Interest cost. Tax impact. Better comparisons.
The goal is not to promise a savings number. It is to show you the dollars attached to a decision before you make it.
AskMFA.comHave a money question?
Ask MFA.
Start with the question, not the product name. Ask MFA routes you to the right calculator, Guide, deal, comparison or planning path using MFA's structured decision map.
One shortcut to remember: AskMFA.com
Ask MFA
AskMFA.com · guided, transparent routing
Ask the question
Debt payoff, home purchase, retirement, cards, family planning, deals, or another money decision.
Get routed intelligently
MFA points you to the right existing tools instead of making you browse the entire site.
Run the numbers
Use transparent, editable math, source-backed context and plain-English next steps.
Educational only. Not financial, legal, tax, or investment advice.
Popular calculators
Useful math for the decisions people make most often.
MFA Guides
New decisions, explained clearly.
Start with newer practical guides across housing, debt and health coverage, then run the connected MFA tools with your own numbers.
Free checklist
The MyFriendAlex Money Checklist
Ten money areas worth understanding — from your 401(k) match to beneficiaries, emergency savings, investing and estate basics. Open it now; no email required.
- 401(k) match & contributions
- Emergency fund basics
- Investing fundamentals
- Beneficiary designations
- Simple budgeting framework
- Insurance essentials
- Estate planning basics
- Net worth tracking
- Debt payoff strategy
- Wealth-building habits
Start immediately
No download gate.
Use the checklist freely. If you later want MFA to remember your own income, debts, goals and scenarios, My MFA is the optional layer for that.
Educational only · no account required
About
Meet Alex
I started MyFriendAlex to make money topics easier to understand. Most people were never taught how 401(k)s, investing, budgeting, wills, insurance, and wealth-building actually work.
My goal is to explain these topics in plain English so you can ask better questions, avoid common mistakes, and feel more confident with your money.
Read more about MyFriendAlexOne useful money email each week.
Plain-English ideas, better money decisions, and the newest MFA calculators and guides. No daily noise.
Planned cadence: a short welcome series, then usually one useful MFA email each week. Unsubscribe anytime. Privacy policy.