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Practical, plain-English guides on loans, debt, saving, and investing — written to complement our free calculators.

The true cost of credit card minimum payments — SimplifyCalculator guide to escaping revolving debt faster
Debt

The True Cost of Minimum Payments: Why Credit Card Debt Traps So Many People

Credit card minimum payments are designed to keep you paying interest for years. See the real math behind minimum payments and how to escape the trap faster.

 How much house can you actually afford — SimplifyCalculator guide on the 28/36 rule and home affordability
Real Estate

How Much House Can You Actually Afford? A Realistic Framework Beyond the 28/36 Rule

The 28/36 rule tells lenders what they will approve — not what you should actually spend. Here is a more realistic framework for deciding how much house to buy.