A hyper-curated, ever-green directory of calculators, databases, money-makers, research portals, and life-optimizers.

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1. Smart-Money Calculators & Planning Tools 🧮

Tool	What it does
IRS Withholding Estimator	Dial-in paycheck withholding
SSA Retirement Estimator	Forecast Social Security benefit
Compound-Interest Calculator	Visualize growth
FINRA Fund Analyzer	Reveal hidden fund fees
FinAid Loan-Repayment Calc	Student-loan payoff paths
HSA Contribution Limits	Current & catch-up caps
BLS Inflation Calculator	Compare dollar buying power

2. Tax-Filing Portals & Trackers 💸

Portal	Why it’s useful
IRS Direct Pay	Fee-free tax payments
Where’s My Refund?	Live refund status
Free File Alliance	E-file free (AGI ≤ $79 k)
State E-File Gateways	All 50+ portals
Taxpayer Advocate	Escalate stuck cases

3. Business Research & Compliance 🔎

Tool	Purpose
SEC EDGAR	Public-company filings
USPTO TESS	Trademark search
NAICS Lookup	Industry code finder
SBA Size Standards	Verify “small-biz” status
OSHA Injury Stats	Safety benchmarking
Wayback Machine	Site history snapshots

4. Grants, Contests & Capital Sources 🏆

Resource	Audience
Grants.gov	Federal grants database
SBIR/STTR	Tech seed funding
Hello Alice Grants	Rolling small-biz grants
FedEx Grant	Annual contest
Kiva 0 % Loans	Crowd micro-loans
USDA REAP	Rural energy capital

5. Credit, Identity & Consumer Reports 🛡️

Link	Benefit
AnnualCreditReport.com	Weekly 3-bureau reports
OptOutPrescreen	Stop pre-approved offers
ChexSystems Report	Banking history
LexisNexis Full File	Insurance & public-records
CLUE Claims Report	Past auto/home claims
Freeze Your Credit	Security freezes

6. Education & Skill-Upskilling 🎓

Platform	Highlights
SBA Learning Center	Free SMB courses
SCORE Mentor	1-on-1 advice
Khan Academy PF	Money lessons
Coursera Accounting	Basics series
edX Entrepreneurship	HarvardX course
IRS Link & Learn	Tax-prep training

7. Travel & Points Optimization ✈️

Tool	Why use it
State Dept Advisories	Country safety
CDC Travel Notices	Health alerts
AwardHacker	Best mileage program
Seats.aero	Award-seat scanner
SeatGuru	Seat maps
ITA Matrix	Deep fare search
Visa Reciprocity Tool	Required fees/docs

8. Lifestyle Savings & Deal Trackers 🛒

Link	Tracks
CamelCamelCamel	Amazon price history
Rakuten	Cash-back portal
BrickSeek	Local clearance
GoodRx	Drug prices
GasBuddy	Fuel deals
Freecycle	Free local items
Honey	Auto coupon codes

9. Sustainability & Ethical Shopping 🌱

Database	Use-case
EWG Skin Deep	Cosmetic safety
B-Corp Directory	Impact brands
Cradle to Cradle Registry	Circular products
EnergyStar Rebates	Appliance incentives
HowGood Index	Food sustainability scores
TerraCycle Programs	Specialty recycling

10. Health & Well-Being 🩺

Resource	Benefit
988 Lifeline	24/7 crisis help
NIH MedlinePlus	Trusted health library
MyPlate Planner	Balanced meals
Sleep Calculator	Ideal sleep cycles
Blue-Light Test	Screen eye-strain check
HIPAA Toolkit	Access medical records

11. Investing & Retirement Data 📈

Link	Purpose
FINRA BrokerCheck	Vet brokers
SEC IAPD	RIA ADV filings
Morningstar ETF Screener	Filter funds
TreasuryDirect I Bonds	Inflation hedge
Bogleheads Wiki	Investing primers
Portfolio Visualizer	Back-test allocations
U.S. Debt Clock	Real-time debt & GDP

12. Tech, Accessibility & Productivity ⚙️

Tool	Why it matters
WAVE Scanner	WCAG audit
Have I Been Pwned?	Breach alerts
Down? Is It Just Me?	Site status
Notion Budget Template	1-click tracker
Google Takeout	Data backup
CC Search	Free media
ToS; DR	Summarize TOS

13. Auctions & Marketplaces 💰

Platform	Opportunity
eBay Seller Hub	Global resale
GovPlanet	Surplus military
GSA Auctions	Federal surplus
Auction.com	REO real estate
PropertyRoom	Police seizures
StockX	Sneakers / collectibles
Flippa	Online businesses
HiBid	Estate auctions
Catawiki	Art & curios
Copart	Salvage vehicles

14. Side-Hustle & Gig Platforms 🚀

Platform	Monetize
Upwork	Freelance projects
Fiverr	Micro gigs
TaskRabbit	Local tasks
Rover	Pet care
Airbnb Hosting	Space rental
Turo	Car sharing
Etsy Seller	Handmade goods
Amazon KDP	Self-publish books
Merch by Amazon	POD shirts
Gigwalk	Paid micro-audits

15. Real-Estate Data & Tools 🏘️

Link	Why it matters
Zillow Research	Home-value indices
Redfin Data Center	Market trends
FHFA HPI	House-price index
HUD HomeStore	FHA foreclosures
Rentometer	Market rent
BiggerPockets Calcs	ROI estimates

16. Energy & Utility Savings ⚡

Tool	Benefit
DSIRE Incentives	Energy rebates & credits
EnergySage Solar	Compare quotes
Fuel-Economy Guide	MPG data
Home Energy Saver	DIY audit
Utility Rate DB	kWh costs

17. Economic & Demographic Information 📊

Source	Data
FRED	800 k+ time-series
BLS CPI & Jobs	Inflation & labor
Census QuickFacts	Local stats
BEA Regional GDP	State & industry
Statista Free Charts	Visual trends
U.S. Debt Clock	Real-time debt & GDP

18. Career & Salary Tools 💼

Resource	Use
O*NET Online	Skill & outlook
CareerOneStop Salary	Wage data
Salary.com COLA	Cost-of-living compare
Glassdoor Reviews	Pay & culture
FutureMe	Email goals to your future self
ZapInfo Resume Scanner	Keyword match

19. Insurance & Risk Tools 🛡️

Link	Purpose
Healthcare.gov Plan Finder	ACA quotes
Policygenius	Compare policies
FEMA Flood Map	Flood-zone lookup
VIN Recall Lookup	Open auto recalls
Pet Insurance Review	Compare pet policies

20. Legal Research & DIY ⚖️

Resource	What you get
Cornell LII	Federal & state statutes
Nolo Legal Encyclopedia	Plain-English guides
LegalZoom Articles	DIY reference
CourtListener	Free court opinions
Justia Dockets	Federal litigation tracker

21. Currency & International Finance 💱

Tool	Why use it
XE Converter	Live FX rates
OANDA Historical FX	Back-date conversions
Treasury FX Rates	Official US data
WorldRemit Fees Checker	Compare remittance costs

22. Weather & Climate Tools ⛈️

Link	Insight
NOAA Weather.gov	Forecast & alerts
National Hurricane Center	Storm tracking
Climate Data Online	Historical temps & rainfall
Windy.com	Live wind/radar overlays
USGS Earthquake Map	Real-time quakes

23. College Cost & Aid Tools 🎓

Resource	Purpose
FAFSA Online	Federal aid application
College Scorecard	Cost & earnings data
Net-Price Calculator Center	School-specific net cost
Scholarship Owl	Auto-apply scholarships
GI Bill Comparison Tool	Military benefits

24. Charitable Giving & Impact 🎁

Link	Why it’s handy
Charity Navigator	Non-profit ratings
GiveWell Top Charities	High-impact giving
DAF Rankings	Compare donor-advised funds
Guidestar 990 Finder	IRS 990 lookups
Benevity Causes	Corporate-match charities

25. Crypto & Blockchain Tools 🔗

Tool	Use
CoinMarketCap	Market prices & supply
Etherscan	Ethereum explorer
Bitcoin Whitepaper	Original spec
TaxBit Tax Center	Crypto tax calculator
Ledger Academy	Security education

26. Public Safety & Alerts 🚨

Link	Coverage
FEMA Mobile App	Disaster alerts
Ready.gov Guides	Emergency plans
AMBER Alert RSS	Child alerts
USGS Volcano Updates	Eruption notices

27. Open-Data Portals 🌐

Resource	Data trove
Data.gov	250 k+ US datasets
World Bank Data	Global indicators
EU Open Data Portal	Euro-stats
Kaggle Datasets	ML-ready CSVs
Google Dataset Search	Meta-search

28. Time, Focus & Productivity 🕰️

Tool	Boost
World Time Buddy	Meeting timezones
Pomofocus.io	Pomodoro timer
Cold Turkey Blocker	Distraction blocker
Toggl Track	Time tracking
Fathom AI Notes	Auto meeting summaries

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Disclaimer: External sites are provided for convenience; Fiscal Means does not control their content or availability.