ImmigrantMoney
No personal data stored. All calculations happen in your browser.

Free Financial Tools for Immigrants in the U.S.

No account needed. No data stored. Just tools that actually help.

Browse all tools

3 quick questions · about 30 seconds · no signup

Used by immigrants in all 50 states · Available in English, Español & 中文 · 100% free · No sign-up required

Not sure where to start?

Take the 3-question quiz

Tell us your situation. We'll point to the tools that fit — no signup, no data stored.

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    Tell us your situation

  2. How it works · 2

    We recommend a tool

  3. How it works · 3

    Use it free, in your browser

Or pick a situation that sounds like you:

I just got a paycheck

Check overtime, tips, and risky deductions.

I want to send money home

Compare fees, exchange rates, and total cost.

I'm planning a USCIS filing

Estimate fees, savings gaps, and waiver paths.

All tools

Free tools, no signup

Pick what fits your situation. Inputs stay in your browser.

Earn & Protect Pay

Catch wage theft and spot scams before they cost you.

Earn & Protect Pay

Was I Paid Correctly? Wage Theft Checker

Check gross pay, overtime, tipped wages, and risky deductions.

Check my pay

Is This a Scam? Financial Fraud Checker for Immigrants

Spot red flags in loans, notarios, immigration helpers, and tax preparers.

Check risk

Bank & Build Credit

Open accounts without an SSN and build U.S. credit from zero.

Bank & Build Credit

Open a Bank Account Without SSN — Find Your Options

Find banks and fintechs that may accept passports, ITINs, and Matrícula Consular.

Find options

Build Credit From Zero — Immigrant Credit Roadmap

Get an educational roadmap from no score to stronger credit habits.

Build roadmap

Send & Spend Smart

Compare remittance costs and budget for life with immigrant realities.

Send & Spend Smart

Best Way to Send Money Home — Remittance Comparator

Compare static fee and exchange-rate estimates before sending money.

Compare costs

Can I Afford to Live Here? Immigrant Budget Planner

Build a realistic budget with remittances, health costs, debt, and immigration savings.

Plan budget

Taxes & Immigration

Plan ITIN filings and budget for USCIS fees with confidence.

Taxes & Immigration

Should I File Taxes? Safe ITIN Tax Guide 2026

Understand filing tradeoffs, ITIN limits, credits, and changing privacy risks.

Start guide

Can I Afford My Immigration Application? USCIS Fee Planner

Estimate fee totals, savings timelines, and lower-cost alternatives.

Plan fees

Why this exists

ImmigrantMoney

Immigrants in the United States face financial decisions that are often more complicated than a typical budget spreadsheet: paychecks that may be missing overtime, tax questions involving ITINs, high USCIS fees, remittance costs, banking barriers, credit invisibility, scams, and rent pressure. ImmigrantMoney brings these issues into one bilingual toolkit with plain-language calculators, source notes, and privacy-first design. The tools are educational and client-side, so users can explore options without creating an account or sending sensitive financial details to a server.

Questions people ask

Do I need an account?

No. All tools are free and can be used without signing in.

Is this legal or tax advice?

No. The app provides general education and should not replace a licensed professional.

Does my data leave my browser?

Tool inputs stay in your browser. Email is stored only if you opt in.

Are the tools available in other languages?

Yes. Every tool and page is fully translated to English, Spanish, and Simplified Chinese.

Are rates and fees live?

No. Static datasets are labeled with last-reviewed dates and should be verified.

How does the site make money?

The site may use ads and affiliate links, always disclosed.