Keys & Cents
Sneak peek · Hosted by Sterling

Coming next from Keys & Cents

Homes were the first key. Sterling is already building the next ones: the same plain-English, all-in math, for more of your money.

Good to know: every home tool on the site is free, and it’s staying that way.

Get first dibs Back to the home tools

Sterling, the Keys & Cents owl, holding a golden key
In the works

Money Sense

Budgets, debt and savings that finally make sense.

  • A budget builder that starts from your real take-home pay
  • A debt payoff planner: snowball vs. avalanche, side by side
  • An emergency fund calculator: how much, and how fast

Vote for Money Sense

On the drawing board

Crypto Keys

Plain-English crypto education, from the keys up.

  • How wallets, public keys and private keys actually work
  • Seed phrases and self-custody, explained
  • Getting started safely: fees, scams and red flags to avoid

Education only, not investment advice. We explain how it works and never tell you what to buy. Crypto is volatile and can lose value.

Vote for Crypto Keys

On the drawing board

Business Keys

Step-by-step roadmaps for building online.

  • A roadmap for launching an AI-powered online business
  • Marketing playbooks: content, email and social, step by step
  • Startup checklists for going from idea to first sale

Education only. No income promises or earnings claims, just honest step-by-step roadmaps.

Vote for Business Keys

Sterling says: Good things take a little time to hatch. We open each new section when it’s genuinely useful, not when a calendar says so.

While you wait: the free home tools