应急基金入门：财务防线的第一步
应急基金能把意外支出从“危机”变成“麻烦”。了解该存多少、放在哪里，以及动用后如何重建。
Read guide → Financial literacy, globally
Plan your money with calm, math-based tools
Free calculators, jargon-free guides, and an AI assistant that teaches — never sells you products. Understand budgeting, debt, saving, and compounding in your own language.
We never touch your money — no accounts, deposits, transfers, or wallets. No personalized investment advice and no regulated financial service. General education, formulas, and planning frameworks only.
Calculators that do the math, transparently
Adjust assumptions with sliders. Every number updates instantly and shows exactly how it was calculated.
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50/30/20 Budget Calculator
Split after-tax income into needs, wants, and savings with a balanced starter rule.
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Savings Goal Calculator
See how much to set aside each month to reach a target on your timeline.
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Debt Snowball vs Avalanche
Compare two payoff strategies by total interest and time to debt-free.
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Compound Interest Calculator
Project how regular contributions may grow over time — fully hypothetical.
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Retirement Planner
Estimate a nest-egg target from spending and a assumed withdrawal rate.
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Net Worth Calculator
List assets and liabilities to see what you own minus what you owe.
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Loan Amortization Calculator
Calculate fixed monthly payments, interest, and a payoff schedule.
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Inflation & Purchasing Power
See how assumed inflation changes the future purchasing power of money.
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AI Assistant
A finance tutor that stays on the safe side of the line
Ask how compounding works, compare debt payoff strategies, or get a budgeting framework. The assistant explains concepts and does math — it will never tell you which stock or fund to buy, or promise a return.
- General education & plain-language explanations
- Math, calculations, and planning frameworks
- Never recommends specific stocks, funds, crypto, or forex
- 20 free questions per month · Pro: unlimited
Short, jargon-free guides
Core personal finance concepts — budgeting, emergency funds, debt, retirement basics, insurance and inflation.
理解复利：不吹不黑的冷静解释
复利是强大的数学，不是魔法；它在债务上还会反向作用。让我们冷静看看增长究竟如何累积，以及现实中的限制。
Read guide →聪明地还债：雪球法与雪崩法的客观比较
两种主流还款方法，一种数学上更省利息，一种行为上更容易坚持。如何选择你真正能走完的那条路？
Read guide →Education first. Always.
Clear boundaries are the foundation of a trustworthy finance tool.
- We never touch your money — no accounts, deposits, transfers, or wallets.
- No personalized investment advice and no regulated financial service.
- No return promises. Every number is labeled hypothetical.
- No specific stock, fund, crypto, or forex recommendations or price targets.
- We never ask for card numbers, banking passwords, or transaction passwords.
- Every calculator and AI answer carries an educational-use disclaimer.
Frequently asked questions
Is AILICAI a bank or investment app?
No. AILICAI is an education and calculation service. We never open accounts, hold deposits, move your money, or sell financial products.
Does the AI assistant give investment advice?
No. It explains general concepts and performs calculations. It will not recommend specific stocks, funds, crypto, or forex, and it never promises returns.
Are the calculator results predictions?
No. They are hypothetical simulations based entirely on the assumptions you enter, such as a constant growth rate. Real outcomes vary and may be worse.
Do you need my bank details?
Never. We do not ask for card numbers, banking passwords, or transaction passwords. Guests can use every calculator with no account at all.
Is AILICAI free?
All calculators and guides are free. The AI assistant includes 20 free questions per month; Pro adds unlimited conversations and saved history.
Start with one number today
Run a calculator or ask the assistant — free, in your language, no credit card required.