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Free tools for a tight month

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The day your money runs out, which bills to move, and the cheapest way to cover the rest.

Scripts for asking a landlord, utility, the IRS, your boss or family for more time or money.

A family loan agreement or a short IOU, with a schedule, to print and sign.

Dated payments, with optional interest, and calendar reminders.

How long you have to sue for money you lent, in every state.

Enter the amount, your savings and your monthly essentials. See whether you could lend it and still be OK if it never came back.

Four honest questions tell you whether the money you're handing over is really a loan or a gift, and what that means, including for taxes.

Someone offers part of what they owe now, or all of it later. See the chance of repayment below which taking less now is the better deal.

What you could owe if the borrower stops paying.

Turn any fee into a yearly rate.

What paying tax by card costs against an IRS payment plan.