Everyday Sums
Find the money you're quietly leaking.
Get more value: compare credit card offers and loans, free. Plus funding and fundraising for your projects.
You found it. Like buried treasure, the best money tools are the ones nobody tells you about. Free. 2 minutes. Any country. As good as gold.
Start the Money Hunt Join for $5 Play free gamesYour treasure map
Three steps. X marks the money.
The 2-minute Money Hunt
12 quick questions. Learn something new with every answer.
Someone is counting on you
Your family. Your kids. Your future self. Every dollar you keep is a dollar that protects someone you love.
You're the one who makes it happen
Nobody else will find these leaks for you. Two minutes of your attention can change a whole year.
Your friends need this too
Most people never find this treasure. When you share it, you could be the reason a friend finally gets ahead.
More free tools
Subscription audit
List everything that charges you. See the true yearly cost.
Want someone to cancel or negotiate them for you? Try a bill-negotiation service →
Which is cheaper?
Compare two package sizes at the store.
Earn cash back on what you already buy: Get a cashback bonus →
Bill split & tip
Fair splits in seconds.
Debt payoff
How long until it's gone, and what extra payments save.
Park your savings where it earns more: See a high-yield savings offer →
Grow your money
See what steady investing could become, then pick a simple strategy.
Keep 3 to 6 months of expenses in high-yield savings before investing.
Get any employer match on your workplace pension or retirement plan (401(k), workplace pension, superannuation, EPF).
Low-fee total-market funds, bought automatically every month (dollar-cost averaging).
Use your country's tax-free accounts: Roth IRA (US), ISA (UK), TFSA (Canada), PPF/NPS (India), super (Australia). Rebalance once a year.
See the top 5 investing sites millions use →
Open a low-cost investing account: See a brokerage sign-up bonus →
Educational only, not financial advice. Returns are historical averages and not guaranteed; investing can lose money.
Emergency info card
Fill in, print, keep in your wallet. Stays on your device.
Credit cards & loans: get more value
Compare card offers and loan rates side by side before you apply, so you keep more of your money. Free, no sign-up.
Compare credit card offers
Cash back, travel rewards, 0% intro APR and cards for building credit, all in one place.
See card offersCompare personal loans
See rates from several lenders. Checking your rate usually uses a soft credit check, which doesn't hurt your score.
Compare loan ratesCheck your credit first
Know where you stand before you apply. In the US, get your free credit reports from the official site.
Free credit reportsKnow the rules
Fees, interest and your rights explained by the U.S. Consumer Financial Protection Bureau.
Credit card guideSmart rule: only borrow what you can pay back, and pay cards in full each month when you can. Offers and rates come from the companies themselves and change often; many are US only. Some of these links may earn Everyday Sums a commission at no extra cost to you.
Fund your project
Got a small business, a creative project or a cause? Find money to get it started, then let us help you gather supporters.
Grants
Free money you don't pay back. Search US federal grants for nonprofits, education, community and research projects.
Search Grants.gov0% small business loans
Kiva offers US small businesses crowdfunded loans of $1,000 to $15,000 at 0% interest, with no fees and no minimum credit score.
Apply with KivaSmall business funding
The US Small Business Administration explains loans, investors and other ways to fund a business.
SBA funding programsCrowdfunding
Raise money from your community, anywhere in the world. GoFundMe for personal causes, Kickstarter for creative projects.
Start on GoFundMe KickstarterHost a fundraising gathering with us
Tell us about your project and we'll help you plan a fundraising gathering, online or in person, and share it with the Everyday Sums community and our sponsor network. Donations go straight to your own fundraising page. Everyday Sums never holds the money.
We reply by email. We can't guarantee how much any gathering raises.
Investing questions? We've got the answers.
Where should you start investing? Here are the top 5 investing sites millions of people already trust. All are well known, regulated and low-cost. Pick one, start small, and let it grow like gold.
Fidelity
About 57 million customers
Best overall and best for beginners five years running, per Investopedia. $0 to open, retirement accounts and fractional shares.
Visit Fidelity →Vanguard
50+ million investors
The home of low-cost index funds. Great for set-it-and-forget-it retirement investing.
Visit Vanguard →Charles Schwab
39 million brokerage accounts
Rated best broker for beginners by Forbes, with branches and strong research tools.
Visit Schwab →Robinhood
27 million funded customers
The simplest app: $0 commissions on stocks and ETFs. Great for learning on your phone.
Visit Robinhood →Interactive Brokers
5+ million accounts worldwide
Best for investors outside the US: access to 150+ markets in many currencies.
Visit Interactive Brokers →How to choose: brand new? Start with Fidelity or Schwab. Love index funds? Vanguard. Want a simple phone app? Robinhood. Outside the US? Interactive Brokers. Still unsure? Ask the Financial Coach or read our start investing guide.
User counts from company reports (2025 to 2026) compiled by Walnut; ratings from Investopedia. We are not affiliated with these companies. Educational only, not financial advice. Investing can lose money.
Trusted money resources
More treasure: free, trusted money help from government agencies and well-known money sites. We are not affiliated with them.
United States
- Consumer Financial Protection Bureau
Free help with debt, credit, banking and complaints - AnnualCreditReport.com
The official site for your free credit reports - Investor.gov
Free investing basics and fraud alerts - FINRA for Investors
Check brokers and learn to invest safely - FDIC Consumer Resources
Is your bank insured? Money tips and tools - MyMoney.gov
Government money basics: earn, save, spend, borrow - IRS Free File
File your taxes free if you qualify - Benefits.gov
Find benefits you may be eligible for
Around the world
- MoneyHelper (UK)
Free, impartial money guidance in the UK - Moneysmart (Australia)
Australia's free money tools and calculators - Sorted (New Zealand)
Free money guides and calculators for New Zealand - Financial Consumer Agency of Canada
Budgeting, credit and banking help for Canadians
Learn more
- NerdWallet
Compare cards, accounts and loans - Bankrate
Current savings and loan rates - Investopedia
Plain-English definitions for every money term
Featured Sponsor Websites
Everyday Sums is proudly sponsored by these sites. We recommend you visit them and try their services.
Earn 20 gold coins every day for each sponsor you visit. Coins rank you up to Gold and Platinum.
+20 coinsGino DiPierro Financial Coach
Get out of debt and build a budget that works. Free call, any day 9 to 5.
Book free
+20 coinsGino DiPierro Small Business Coach
Fix cash flow, pay yourself, and price for profit.
Book free
+20 coinsMoney Help Center
Rising mortgage or rent? Free help with bills, debt, benefits and business funding.
Get free help
Your business here
Reach people actively looking to save money. From $25/month. Add Hamilton Radio VIP on-air mentions for $50/month.
Get paid to save
Strike gold by sharing. Earn coins for using the site. Earn real cash when friends become members.
Earn coins
- Finish the Money Hunt: +50
- Use any tool: +10 each
- Share the site: +25
- Join weekly tips: +25
- Visit a sponsor: +20 each, every day
- Members area steps: +5 each
- Friend becomes a member: +100
Rank up your metal
- Silver: every member starts here
- Gold at 500 coins: unlocks the Gold Vault
- Platinum at 1,500 coins: Platinum perks, plus a priority coach call once 3 friends join
Refer & earn
- Earn $1 cash for every friend who becomes a member with your link
- No limit. 20 friends = $20
- Paid to your Cash App or Venmo once you reach $5
Create free account
Lock in $5 before it doubles
On January 1, 2027, lifetime membership goes from $5 to $10. Join before then and you pay $5 once, keep everything for life, and become a Founding Member.
Lock in $5 for lifePick your metal
One price: $5 once, for life. No monthly fees and nothing to cancel. Members start at Silver and rank up to Gold and Platinum for free by earning coins.
Bronze
Bronze today, gold tomorrow.
- Money Hunt quiz
- All 6 free tools
- Week 1 money challenge
- Free money guides
Silver Member
Every cloud has a silver lining.
- 30-Day Money Reset
- 12-month budget & bill planner
- 6 cancel & negotiate templates
- Debt tracker + emergency binder
- All 12 weekly challenges
- Investing roadmap + tax-advantaged accounts in 32 countries
- 30-tip members library
- $1 cash per friend you refer
Gold
As good as gold.
- Everything in Silver
- Gold Vault: side-income playbook
- Raise request script
- Gold badge on your account
Platinum
Go platinum.
- Everything in Gold
- Priority free coach call once 3 friends join
- 10-Year Wealth Plan
- Printable Platinum certificate
Become a Founding Member
Join during our launch year and you're a Founding Member for life, with a gold Founding badge on your account. Once 2026 ends, that badge is gone for good.
Why it's only $5
Less than a lunch out, once, and never again. One forgotten subscription you cancel with our templates can save more than that every single month. After that, it's all savings.
Try first. Pay only if you love it.
The Money Hunt, all 6 tools, the money games and Week 1 of the challenge are free, with no account needed. See for yourself, then decide.
Everything you get for $5
Over 100 money moves, tips and templates, yours for life:
- 30-Day Money Reset: one small step a day
- All 12 weekly money challenges
- 30-tip members library
- 6 cancel and negotiate letter templates
- 8-step investing roadmap
- Tax-advantaged accounts in 32 countries
- 20-item emergency binder checklist
- 12-month budget and bill planner
- Debt tracker
- $1 cash for every friend who joins
- Free path to Gold and Platinum ranks
Monthly 1-on-1 Coaching
One private 20 to 30 minute call every month with Gino DiPierro, Ramsey Solutions Master Financial Coach. Bring your budget, debt or savings questions and leave with a plan.
- Your own call each month
- A personal next-steps plan
- Pay month to month. Stop anytime by not paying.
- Works with or without the $5 membership
After you pay, Gino emails you a link to book your call. Education, not investment, tax or legal advice.
"I built Everyday Sums so anyone, anywhere, can find the money they're losing and keep it, without another monthly bill. Pay $5 once, and every tool is yours for life."
Gino DiPierro, founder · Ramsey Solutions Master Financial Coach
Pay with Cash App or Venmo. You get in right away. Our colors come from precious metals: gold, silver, bronze and platinum, set on emerald green for money and growth.
What members say
Real reviews from paying members. We don't pay for reviews or edit them.
Questions
Is it really free?
Yes. Bronze is free forever, with the Money Hunt, every tool and week 1 of the challenge. Membership is $5 once for the full members area, for life.
Do you see my numbers?
No. Everything you type stays in your browser. We don't collect your money details.
How do I get paid for referrals?
Log in and copy your link. Every friend who becomes a member with it earns you $1 cash and +100 coins. Once you reach $5, we send it to your Cash App or Venmo.
Will the price go up?
Yes. The founding price of $5 lasts through December 31, 2026 (New York time). On January 1, 2027, lifetime membership becomes $10. If you join before then, you pay $5 once and keep everything for life.
Is it monthly?
No. Membership is $5 once, for life. There are no monthly fees and nothing to cancel. The only monthly option is the separate, optional 1-on-1 coaching add-on at $15 a month, which you pay only for the months you want a call.
Does it work in my country?
Yes. Pick your currency at the top. The members area covers tax-advantaged accounts in 32 countries.
Is this financial advice?
No. It's education and simple math. For personal advice, Platinum includes a call with a financial coach.
One golden money tip a week. Free.
2-minute read every Monday. Save a little, every week. Unsubscribe anytime.
Keep your treasure close
Install Everyday Sums as an app on your phone or computer. Free, no app store needed.
Someone you know needs this. Be the one who tells them.
Treasure is better shared. One message from you could save a friend hundreds this year.