Free money tools. No sign-up, no tracking.
Four calculators we use with clients, free for everyone. Everything runs in your browser — nothing you type is sent anywhere or saved.
Money-leak finder
Estimate your monthly leaks, choose how much to redirect and see what it could become over ten years.
Redirected after 10 years
$0
- Leaking per month
- $0
- Redirected per month
- $0
- Redirected per year
- $0
Illustrative only. Assumes steady monthly amounts and a constant annual growth rate, compounded monthly. Real returns vary and can be negative. Read the guide: How to find money leaks in your bank statement.
Debt payoff: snowball vs avalanche
Enter your debts and an extra monthly amount. We’ll simulate both methods month by month.
First win: —
First win: —
Snowball order:
Avalanche order:
Estimates assume fixed APRs, monthly interest, fixed minimum payments and no new charges. Want a full plan? See the Debt Payoff Roadmap or read Snowball vs avalanche.
Emergency-fund calculator
Find your target cushion and how long it will take to get there.
Your emergency-fund target
$0
- Still to save
- $0
- Time to fully funded
- —
- Starter milestone
- —
A common approach is a small starter cushion first, then building toward several months of essential costs. Read: How to build an emergency fund in an uncertain economy.
Savings-goal timeline
A trip, a deposit, a sabbatical — see when you’ll get there.
Time to goal
—
- Estimated date
- —
- Interest earned
- $0
Numbers are the start, not the plan.
A calculator shows what’s possible. A Night Brief call helps you decide what to actually do next — free, 20 minutes.