UUNITAX
THE UNITAX FINANCIAL HUB

Your financial
backpack.

Free tools and plain-language guidance for the money decisions young adults meet at school, work, home, and everywhere in between.

Make a spend plan ↓My dashboard →
UNITAX / PACKED FOR REAL LIFE7essential money pockets
  • Spend wisely
  • Save steadily
  • Learn safely
Always free to learn.No paywall for core educationNo shame or financial jargonBuilt around the firsts that matter
WHAT’S IN YOUR BACKPACK?

Open the pocket you need today.

You do not have to learn everything at once. Choose one need, take one action, and return when you are ready for the next.

$01

Spend plan

Turn income into a realistic monthly plan.

Open pocket ↓↗02

Savings

Build an emergency cushion one deposit at a time.

Open pocket ↓⌂03

School money

Understand aid, scholarships, grants, and loans.

Open pocket ↓✓04

First job

Read pay, benefits, and workplace forms.

Open pocket ↓T05

Taxes

Collect documents and prepare to file.

Open pocket →C06

Credit

Build safely and understand report language.

Open pocket →!07

Money safety

Spot scams and protect your identity.

Open pocket ↓
SPEND-PLAN BUILDER

Give every dollar a job.

Use monthly take-home pay—not gross pay. Adjust the four numbers to see whether your plan fits.

YOUR MONTHLY PLANLeft to assign$450
Needs50%
Wants17%
Savings8%

Assign the remainder to savings, debt payoff, or a known upcoming expense.

EMERGENCY POCKET

Build a starter safety net.

A first goal of $500–$1,000 can help with a surprise bill while you work toward a larger cushion.

AT $150 PER MONTH6months to reach the goal*

*Example assumes $150 already saved and no withdrawals.

03 / SCHOOL MONEY

Pay for school in the right order.

  1. 1
    Grants and scholarshipsMoney you usually do not repay.
  2. 2
    Work-study and earningsIncome that may reduce borrowing.
  3. 3
    Federal student loansReview the total cost and repayment terms.
  4. 4
    Private loansCompare carefully; protections may differ.
Visit Federal Student Aid ↗
04 / FIRST JOB

Know these before payday.

W-4

Tells an employer how to calculate federal withholding.

W-2

Summarizes annual wages and taxes for filing.

Benefits

Look beyond hourly pay at insurance, retirement, and paid leave.

Direct deposit

Confirm account numbers privately and verify the first deposit.

MONEY SAFETY

Pause when pressure shows up.

Scammers create urgency. A real bank, employer, school, or government office will give you time to verify independently.

RED FLAGS
  • “Pay now with gift cards or crypto.”
  • “Send your login code so I can help.”
  • “Deposit this check and return part of it.”
  • “You won a scholarship—pay a fee first.”
Stop · Verify · Tell someone