Personal Finance Articles, Investing Research & Free Tools
BearSavings helps you save more, invest wisely, and plan ahead—with actionable articles, market insights, and free calculators built for everyday money decisions.
Tips, Explainers, And Deep Dives On Saving, Investing, Taxes, And Everyday Money—Updated Regularly On Our Blog.
When RMDs start (73, or 75 if born 1960+), the IRS Uniform Lifetime Table, step-by-step 2026 RMD math with examples, which accounts can be…
Read Article →The official 2026 and 2027 HSA contribution limits ($4,400 / $8,750, then $4,500 / $9,000, plus the $1,000 age-55 catch-up), HDHP rules, th…
Read Article →The 2026 Roth IRA income limits by filing status, the $7,500 ($8,600 at 50+) contribution limit, how to calculate a reduced contribution, w…
Read Article →The official 2026 capital gains brackets by filing status (0%, 15%, 20%), how gains stack on your other income, 2026 short-term (ordinary)…
Read Article →Own the world with three low-cost index funds: US total stock, international total stock and total bond. Tickers, sample allocations, taxab…
Read Article →Which months are best and worst for stocks? Sourced S&P seasonality averages, Sell in May / Halloween, September and October lore, the real…
Read Article →Jump Into The Area Of Personal Finance You Care About Most.
Track Spending, Set Savings Goals, And Build Better Money Habits.
Research Stocks, Explore Sector Ideas, And Compare Returns.
Compare Cards, Manage Debt, And Understand Borrowing Costs.
Checklists, Net Worth Benchmarks, And Retirement Readiness.
Research Tools And Data-Driven Views To Support Your Investing And Lifestyle Decisions.
100+ Calculators For Loans, Investing, Taxes, Retirement, And More—No Signup Required.
Learn to grow your money
Beginner-friendly courses on budgeting, ETFs and stock investing. Learn at your own pace.
Udemy
Stock Market for Beginners: Start Smart, Invest Wisely
A self-paced video course on investing basics and stock investing, with practical lessons you can apply right away.
View course
Udemy
How to invest in ETF from zero
In this course you will learn about how to start trading in the investment´s world, focused in ETF. Basic topics are explained such as…
View course
Udemy
Personal Finance from Zero: Budget, Save, Borrow & Invest
Money touches every day of your life, yet almost nobody is taught how it works. Where does your pay go between payday and the end of the…
View course
Udemy
Personal Finance 101: Budget, Save & Invest
Do you ever feel like you’re working hard but not getting ahead? Do you get to the end of the month and wonder where all your money went?…
View course
