Free finance tools that
don't want your data.
No sign-up. No bank connection. No account. Everything runs in your browser — nothing is ever sent anywhere.
Browse tools Why it's freeStart with the expense tracker
Log income and spending across everyday categories and see your monthly surplus at a glance.
Expense Tracker
Categorised income and spending, with an opt-in local save and JSON export/import for backups.
More tools on the way
Budget Calculator
See where your money goes each month.
SoonMortgage Repayments
Estimate your monthly repayment.
SoonSavings Calculator
How much you could save over time.
SoonRent vs Buy
Compare renting against buying.
SoonCar Cost Calculator
The real cost of owning a car.
SoonElectricity Cost
What your appliances actually cost.
SoonInvestment Property
Rental cash flow at a glance.
SoonExpense Splitter
Split shared household costs fairly.
SoonNo catch, just a different model
Nothing to steal
We never see your numbers, so there's no database to breach and nothing to sell.
No accounts, ever
Every tool works instantly. If you want to keep your data, it saves in your own browser — that's it.
Built to be useful
Simple tools people actually need, without a subscription wall between you and the answer.
Disclaimer
General information only
The tools and calculators on this website are provided for general informational and illustrative purposes only. They do not take into account your personal financial situation, objectives, or needs, and nothing on this site constitutes financial, tax, legal, or investment advice.
Estimates, not guarantees
Results are calculated from the figures and assumptions you enter, and from general formulas or rates that may not reflect your actual circumstances, current market conditions, fees, or charges. Actual outcomes may differ, sometimes significantly, from what any calculator on this site shows.
No liability accepted
We do not accept any responsibility or liability for any loss, damage, cost, or expense you may incur as a result of using these tools, or relying on any information, calculation, or result they produce.
Seek professional advice
Before making any financial decision, we strongly recommend you seek independent advice from a licensed financial adviser, accountant, mortgage broker, or other qualified professional who can consider your full personal circumstances.
Your data
These tools run entirely in your browser. We do not collect, transmit, or store any of the information you enter unless a specific tool explicitly says otherwise and you opt in.