For educators & libraries

Free financial literacy tools

A short list of free SwitchWize tools and guides built for classrooms, libraries, and nonprofits. Every tool below works with no account and no signup, on any device, and is free to link from a resource page or syllabus.

Calculators & tools

Rate Gap calculator

Open

Shows the annual dollar difference between a low savings rate and a competitive one.

Classroom use: Discussion: why does the same $10,000 earn so differently at two banks?

Short-term savings decision tool

Open

Compares HYSA, money market funds, T-Bills, and CDs by yield, liquidity, and tax.

Classroom use: Exercise: match a savings goal to the right vehicle and defend the choice.

Compound interest calculator

Open

Models how savings grow over time and the cost of starting later.

Classroom use: Exercise: compare starting at 22 versus 32 with the same monthly amount.

Emergency fund calculator

Open

Estimates a target emergency fund and the monthly savings to reach it.

Classroom use: Discussion: how many months of expenses fit different life situations?

Money Map

Open

Walks through savings, debt, and accounts to find a highest-impact next step.

Classroom use: Capstone: build a one-page plan from a sample household budget.

Background guides

Where to keep your emergency fund HYSA vs money market What is the Bank Gap? How we source and review rates (methodology)

Printable worksheet

A one-page printable worksheet pairing the calculators above with discussion prompts is in progress. In the meantime, the tools work on any device and require no signup, so they can be used directly in a session. If you would like to be notified when the worksheet is ready, reach the Research Desk via the contact page.

These resources are educational and not personalized financial advice. You are welcome to link them from library guides, course pages, and nonprofit resource lists with attribution to SwitchWize.