Learn, save & tool up your Finances
Plain-English guides and free calculators to help you understand your money, in the UK and the US.
Plain-English guides and free calculators to help you understand your money, in the UK and the US.
How bonuses are taxed in the UK and the US, explained step by step.
Practical ideas for making extra income, from online jobs to money making apps.
How to endorse a check, balance a checkbook and find quarters when you need them.
Work out year-over-year growth, how long a savings goal could take, and what a daily income target really means.
Clear explanations of terms like year-over-year, with worked examples.
Practical ways to put your money to work, explained one step at a time.
Our guides cover both countries, with separate guides where the rules differ.
Every guide is free, and you don't need an account.
Three free calculators, with no sign-up. Put in your own numbers and see the result straight away.
Open the tools
A snapshot of our topics: where there's a guide, where there's a calculator, and which country each applies to.
Yes
NoYesYesYesYesYesYesNoYesYesYesYesYesYesYesYesNoNoYesYesNoNoYesYesNoNoYesSourdough Finance puts finance education first. We write step-by-step guides to everyday money questions and build simple tools you can use straight away.
Everything here is general information to help you understand your options. It isn't personal financial advice.
Guides are broken into clear steps and sections, and most end with answers to common questions.
Simple calculators that run in your browser. Nothing you type is saved or sent to us.
Read every guide and use every tool without signing up.
Money comes with its own vocabulary. These are some of the terms and abbreviations worth knowing, on both sides of the Atlantic.
Our guides explain how things work. They can't take your personal circumstances into account.
Rules and rates change. Confirm the details with an official source or a qualified professional before you decide.
The calculators run in your browser. We don't store what you enter.
Browse the guides for a plain-English walk through the question you have in mind.
Browse the guides
A taste of how we explain things. Each summary below is taken word for word from one of our guides.
YoY (Year-over-Year) measures changes in financial performance over time by comparing data from one year to the same period in the previous year. It's valuable for assessing true growth or decline without seasonal distortion.
Endorsing a check means signing the back so it can be deposited or cashed. The safest method? A restrictive endorsement like "For deposit only to [Bank Name] account #XXXX.” This guide walks you through everything — including what to avoid.
Money making apps in 2025 cover everything from side hustles and gig work to passive rewards and investing. This guide lists the 15 best apps with descriptions, key tips, alternatives, and direct links so you can start earning more today.
Straight answers about what Sourdough Finance is, and what it isn't.
No. Sourdough Finance publishes general information and educational guides. Nothing here is a personal recommendation, and we don't know your circumstances. For advice about your own situation, speak to a qualified, regulated professional.
Yes. Every guide and tool on the site is free to use, and you don't need an account.
Anyone who wants everyday money topics explained clearly. Our guides cover both the UK and the US, with separate guides where the rules differ.
You enter your own numbers and the result is worked out in your browser. The results are estimates for illustration. They aren't a forecast or a guarantee.
No. The calculations happen on your device, and the numbers you enter aren't saved or sent to us.
The Sourdough Team. We aim to explain each topic step by step, in plain English.