Financial Education

# Master Your Financial Future

Free tools, calculators, guides, and courses to help you make smarter money decisions at every stage of life.

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Learning Center Highlights
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50+ Financial Calculators
Mortgage, savings, retirement & more
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200+ Expert Articles
Written by certified financial advisors
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Free Video Courses
Beginner to advanced — self-paced
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Live Expert Q&A
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50+
Calculators
200+
Articles
Free
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Interactive Tools

## Your Financial Toolkit

Powerful, easy-to-use calculators and planners to guide every financial decision.

Mortgage Calculator
Calculate your monthly payment and total costs including taxes, insurance, and PMI.
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Loan Calculator
Find monthly payments, total interest, and amortization schedule for any loan.
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Savings Goal Tracker
How long will it take to reach your savings target? Find out instantly below.
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Current Savings ($) Savings Goal ($) Monthly Contribution ($) Annual Interest Rate (%)
Budget Planner
Track income vs. expenses and find where your money is really going each month.
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Retirement Planner
Project your retirement corpus based on current savings, contributions, and expected returns.
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Investment Returns
See how your portfolio grows over time with compound returns and regular contributions.
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Learning Center

## Expert Guides & Articles

Straightforward, expert-written content to build your financial knowledge — no jargon.

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Credit
The Beginner's Guide to Credit Scores
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Home Buying
Home Buying in 2026: What You Need to Know
Read Guide
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Savings
How to Build an Emergency Fund
Read Guide
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Investing
Investing for Beginners
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Financial Glossary

## Key Terms Explained Simply

Demystifying the most important financial concepts — in plain English.

APR vs APY — What's the difference?
APR (Annual Percentage Rate) is the yearly interest rate charged on borrowed money — used for loans and credit cards. It typically doesn't account for compounding. APY (Annual Percentage Yield) includes the effect of compounding and is used for savings accounts and investments. A higher APY means your savings grow faster; a lower APR means borrowing is cheaper.
What is Compound Interest?
Compound interest means you earn interest on your interest, not just your principal. For example, €10,000 at 5% APY compounded annually becomes €10,500 after year 1, then €11,025 after year 2 — because you earned interest on the €500 too. Over time, compounding dramatically accelerates growth, which is why starting early matters so much.
What is Credit Utilization?
Credit utilization is the percentage of your available revolving credit that you're currently using. For example, if you have a €10,000 credit limit and owe €3,000, your utilization is 30%. Experts recommend keeping it below 30% — ideally below 10% — to maintain a healthy credit score. It accounts for about 30% of your FICO score.
What is Debt-to-Income (DTI) Ratio?
DTI ratio is your total monthly debt payments divided by your gross monthly income, expressed as a percentage. Lenders use it to assess how much more debt you can take on. A DTI under 36% is considered healthy; most mortgage lenders require under 43%. For example, €2,000 in monthly debts on a €6,000 income = 33% DTI.
What is Deposit Protection at an International Bank?
Unlike US domestic banks covered by FDIC insurance, international banks such as Cresta Trust & Geneva Mercantile Consortium are regulated by the Financial Services Commission (FSC) of Switzerland and are subject to FSC prudential oversight and capital adequacy requirements. Deposits are safeguarded through the bank's own capital reserves and ongoing FSC supervision. CTGMC maintains strong capital ratios and is subject to regular FSC examination. For full details, see our Legal Disclosures.
How do I calculate my Net Worth?
Net worth = Total Assets − Total Liabilities. Assets include cash, investments, real estate, and vehicles. Liabilities include mortgages, loans, and credit card balances. If your assets total €350,000 and your liabilities total €180,000, your net worth is €170,000. Tracking your net worth regularly is one of the best ways to measure financial progress.
Savings Calculator

### Watch Your Savings Grow

Enter your starting amount, monthly contribution, interest rate, and time horizon to see the power of compound interest in action.

Example Scenarios
€1,000 + €200/mo @ 4.25% for 5 yrs → €14,483
€5,000 + €500/mo @ 4.25% for 10 yrs → €79,841
€10,000 + €1,000/mo @ 5% for 20 yrs → €427,594
Compound Savings Calculator
See your future balance with compound interest
Initial Amount ($) Monthly Contribution ($) Annual Interest Rate (%) Time Period (years)
Initial Deposit—
Total Contributions—
Interest Earned—
Future Value—

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