Free tools
Money tools
Small tools that each do one useful thing. They run in your browser, they don't need an account, and they show you the answer before asking anything of you.
Your numbers stay on your device
These tools handle money, so it's worth being precise about what happens to what you type. Everything is calculated in your own browser. There is no server here that receives your figures, because there is no server here at all — the pages are static files, and the arithmetic runs on your machine.
Anything you save is kept in your browser's own local storage, on your device only. Clearing your browser data removes it. If you choose to enter an email address to receive a printable worksheet, we receive your first name and your email address — not your subscription list, not your totals, not the number of entries. That is a deliberate design decision rather than a policy promise: the data is never put into the request in the first place.
How we build them
Money arithmetic is done in whole cents rather than decimals, so nothing drifts, and every figure is shown to the cent. A tool that displays a $15.99 charge as $16 has quietly told you it rounds things, and you have no way to know what else it rounded.
The other rule is that these tools surface and rank, but never prescribe. The subscription audit will tell you that you hold four streaming services costing $604 a year between them, and what your gym costs per visit. It will not tell you which to cancel, because it has no idea that the membership you never use is the one thing keeping you sane, or that a subscription that looks frivolous is genuinely load-bearing. You tick what goes; it does the addition.
Educational guidance, not financial advice. For decisions about debt, investments or tax specific to your circumstances, talk to a qualified professional.