Interactive tools
Quiet math for clear thinking.
Educational utilities—your numbers, your assumptions. Illustrative only. Not personalized advice.
This month
Rituals and sketches for the current month. Browser companions—soft path to the $9 Excel planner.
15-Minute Money Meeting
Agenda, optional timer, notes—then close the apps. Interactive ritual, not a PDF magnet.
Open →One-Page Monthly Plan
Income · bills · leftover in the browser. Companion to the $9 Excel—not a full clone.
Open →Emergency Fund Calculator
Estimate a cash buffer from essentials × months of coverage.
Open →Take-Home Pay Breakdown
Illustrative brackets and paycheck sketch—not a tax filing tool.
Open →Net Worth Tracker
Assets minus liabilities with optional local browser history.
Open →Debt Payoff Scenario Lab
Test what an extra monthly payment does to months and interest.
Open →Bigger decisions
Longer-horizon sketches. Still illustrative—your assumptions, not a forecast.
Portfolio Growth Explorer
See how contributions and an assumed return compound over time.
Open →Mortgage Rate Scan Helper
Public averages for context, then compare payment and lifetime interest.
Open →Rent vs Buy Comparison
Monthly cash sketch for renting versus buying.
Open →Retirement Readiness Estimator
Illustrative nest egg vs a simple income-replacement sketch.
Open →Keep going calmly
Educational tools only. Optional next steps—no pressure.