Personal Money

Bill Payment Calendar

Create a bounded, browser-local bill payment calendar with visible assumptions, review guidance, and downloadable output.

Budget Category Cap Checker

Check actual spending against category caps and total individual category breaches.

Budget Category Overspend Sequence

Trace ordered transactions to see where a spending category crosses its cap.

Budget Rollover Planner

Carry a signed prior category balance into the next budget period.

Cash Envelope Planner

Create a bounded, browser-local cash envelope planner with visible assumptions, review guidance, and downloadable output.

Couple Budget Planner

Create a bounded, browser-local couple budget planner with visible assumptions, review guidance, and downloadable output.

Credit Card Interest and Fee Audit

Reproduce daily or average-daily-balance interest and compare reported fees with user-entered expected charges.

Credit Card Statement Payoff Reconciler

Rebuild monthly card closing balances from purchases, fees, interest, payments, and credits, then expose statement and chain mismatches.

Credit Utilization Scenario Planner

Model card payments, new charges, and limit changes across named scenarios with overall and per-card utilization evidence.

Debt Avalanche Payment Reconciler

Compare an interest-priority payoff schedule with actual payments and balances, including deviations from the highest-APR focus.

Debt Avalanche Planner

Create a bounded, browser-local debt avalanche planner with visible assumptions, review guidance, and downloadable output.

Debt Consolidation Quote Normalizer

Compare existing debt payoff evidence with consolidation offers, including coverage gaps, financed fees, payment change, and total cost.