Web Resources

  • America Saves: (Consumer Federation of America) 
    Organization dedicated to providing free financial tools, services for saving and resources in an effort to advance the financial literacy of Americans.
  • Choose to Save:  Education Program (Employee Benefit Research Institute)
    Includes calculators on: Credit Cards, Auto, Home Mortgage, and Home Equity.
  • MyMoney.gov is the U.S. government's website dedicated to teaching all Americans the basics about financial education. 
  • PowerPay: Debt Reduction Computer Program Getting out of debt is typically the best investment you can make.  It may produce double-digit returns by reducing the amount of interest paid and the time it takes to get out of debt.  The PowerPay¬© computer analysis can help you chart a course for debt free reduction.
    How does the PowerPay© computer analysis program work?



  • Montana ABLE Accounts:  Achieving a Better Life Experience  (PDF Version) (HTML Version-ADA Accessible
    The Achieving a Better Life Experience (ABLE) Act was enacted by the Montana Legislature in response to the United States Congress passing an act by the same name. An ABLE account is a savings account allowing persons with disabilities to save money without losing their SSI or Medicaid benefits.

  • First-time Homebuyer Savings Account(PDF Version) (HTML Version-ADA Accessible
    Montana residents can save money in a special savings account for the purchase of a first home and save on Montana income taxes. Includes annual report worksheet.

  • Health Care Savings Accounts (PDF Version) (HTML Version-ADA Accessible) 
    The dramatic rise in health care expenses in recent years has prompted some individuals to combine a high deductible health insurance policy with a federal Health Savings Account (HSA) to control these costs. This MontGuide provides basic information about HSAs.
    • Spreadsheet that will help you track your health care savings account expenses.

  •  Montana Medical Care Savings Accounts (MSAs) for the 2021 Tax Year. (PDF Version) (HTML Version-ADA Accessible) 
    A Medical Care Savings Account (MSA) can provide a deduction from Montana state income tax. This MontGuide explains who is eligible, what expenses are allowed, and how to set up an MSA.

  • Track'n Your Savings Goals (PDF Version) (HTML Version-ADA Accessible) 
    It takes a lot of effort to decide on a savings plan and stick with it. This MontGuide shows you how to use an innovative technique to track progress towards achieving your family and personal savings goals.

  • Track'n Your Savings Goals Savings Register. ) Free of Charge [Order Online]
    This 36-page 3x6" savings register fits inside a checkbook cover to keep savings goals handy. It includes instructions and examples of how to set and concentrate on achieving one or more savings goals.