Free Financial Tools
Five tools that answer specific questions about your spending, your paycheck, your debt, and your financial health — no account required for any of them. Together they form a complete monthly financial review workflow.
All tools
Upload your exported bank statement (CSV or Excel) and get every recurring charge classified automatically — Fixed Bills, Debt Payments, Subscriptions, and charges worth reviewing. No account or bank login required.
Start here — see what is actually leaving your account.
Scan my statement →Enter your income and monthly expenses to see your expense-to-income ratio, monthly leftover, and how your spending compares to the 50/30/20 rule.
Use after the scanner — enter real recurring charges to see how they fit your income.
Calculate my budget →Budget paycheck by paycheck — not just by month. Enter your pay and monthly bills to see exactly what is left per paycheck and whether your fixed expense load is sustainable.
Use when income and bills feel misaligned — especially on biweekly pay schedules.
Plan my paycheck →Five questions. Sixty seconds. Get a score from 0–100 and a plain-English picture of where your finances stand — Strong, Healthy, Stabilizing, or Needs Attention.
Use monthly to track whether your financial picture is improving.
Get my score →Enter a balance, interest rate, and monthly payment to see your payoff date, total interest paid, and how much adding an extra payment each month would save.
Use when you have a loan or credit card balance and want to see exactly when it ends.
Calculate payoff →Enter your monthly take-home income and fixed bills to see your fixed expense ratio, tier (Excellent / Stable / Elevated / Critical), and how much income remains after fixed costs.
Use after identifying your recurring charges — see what percentage of income is already committed.
Calculate my ratio →Start with your bank statement — free
Upload your exported bank statement and get every recurring charge classified automatically in 30 seconds. The fastest way to see what's leaving your account each month — no account, no bank login.
Scan My Statement →CSV or Excel · File never stored · Free foreverWhy recurring charges are the priority
Most financial advice focuses on large, visible expenses. The money that quietly accumulates is in smaller recurring charges — a fitness app that went from $9 to $14, a free trial that converted to paid six months ago, a streaming service nobody in the household uses anymore. None of these feel significant individually. Together they often total $150–300/month.
The statement scanner identifies every recurring charge in one pass. The budget calculator shows how they fit your income. The paycheck planner shows whether they're sustainable per pay period. The health score tracks whether the overall picture is improving. Each tool is useful alone; together they're a complete financial review system.