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Pocket Plain — Personal finance, explained plainly.

CONSUMER RATES
Official data
30-yr mortgage7.40%Freddie Mac · PMMS
15-yr mortgage6.73%Freddie Mac · PMMS
Avg credit card APR21.19%Federal Reserve Board
Fed funds3.75–4.00%Federal Reserve Board

Latest

Credit Score · Guide

How to read your credit report

A section-by-section guide to reading a credit report: free weekly reports, which sections feed your score, per-card utilization math, and disputes.

By Thiago Costa ·

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Markets snapshot

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The Daily Plain

Morning Money Brief

Today’s money briefing in 5 minutes: rates, markets and one smart move. Free, every morning.

  • Rates and markets, explained in plain English every morning
  • The money stories that matter today
  • One practical move for your wallet

Calculators & comparators

Compound InterestOpen tool →Debt PayoffOpen tool →Retirement SavingsOpen tool →Budget CheckOpen tool →ComparisonsOpen tool →All calculatorsOpen tool →

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Steady Wallet videos

High-Yield Savings Accounts Explained for Beginners (2026)Steady Wallet · Video · How Much Emergency Fund Do You Really Need? (Build Your Real Number)Steady Wallet · Coming soon · How to Read Your Credit Report (And What Actually Moves Your Score)Steady Wallet · Coming soon ·