Yes, completely. All calculators, the blog, Money 101, and the No-Fee Bank Directory are 100% free with no account required. We make money when professionals purchase leads — not from you.
No. All tools are available without signing up or logging in. Your data stays in your browser.
Financial professionals (advisors, mortgage brokers, insurance agents, etc.) pay a small fee to access leads from users who request help. This lets us keep all tools free for consumers.
Yes. We don't sell or share your personal data. If you submit a "Get Help" form, your contact info is shared only with the one professional you're matched with.
Calculators
They use standard financial formulas and widely accepted assumptions (e.g. 7% S&P 500 historical return). They're designed for education and planning — not as professional financial advice.
You can screenshot or print any page. Saved sessions aren't currently supported, but it's on our roadmap.
Our calculator uses simplified tax brackets and standard deductions. Your actual pay depends on your specific deductions, benefit contributions, union dues, etc.
Most use CAD or USD depending on your selection. The Currency Exchange calculator supports 20+ world currencies with live rates.
No-Fee Banks
We list banks offering no-fee base accounts. Some have premium tiers with fees. Always verify current terms directly with the bank before opening an account.
Some listings include affiliate links. This doesn't affect our editorial ranking — we list banks based on their features, not whether they pay us.
Yes! Email us at hello@spnd.io with the bank name and we'll review it for inclusion.
For Professionals
Visit our For Professionals page, apply for access, get approved, and you can start purchasing leads from $25 each.
A consumer uses one of our calculators, then clicks "Get Help From a Professional" and submits their contact details. That becomes a lead available for purchase.
Yes. Each lead is sold to exactly one professional — never resold.
We manually review all applications within 24 hours. We may ask for a license number or professional credential.