🔐 100% Free • Client‑Side
Free Financial Planning Tools
Net worth, budget, envelope system, debt payoff, shared envelopes, cash flow, and Monte Carlo retirement simulator — all in one place.
✅ No signup required
🔒 Your data stays private
📊 Real‑time calculations
Net Worth Tracker
Empower‑style
- Assets vs Liabilities
- Instant net worth
Monthly Budget Planner
NerdWallet‑style
- Income vs Expenses
- Surplus/deficit
Envelope Budgeting
YNAB method
- Zero‑based envelopes
- Assign every dollar
Debt Payoff Planner
Avalanche method
- Payoff timeline
- Interest‑optimized
Shared Envelopes
Goodbudget style
- Family tracking
- Remaining balance
Cash Flow Dashboard
MoneyPatrol
- Bills & savings goals
- Discretionary view
Retirement Monte Carlo
cFIREsim style
- Success rate simulation
- Historical backtest