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Free tools

Calculators that ask for nothing.

No signup, no bank connection, no email wall. Understand your money in a browser tab, then decide if you want the automated version.

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Survival vs Lifestyle Calculator

Sort a sample month — or paste your own — and watch your ratio settle in real time. The signature Tracklio view, free and live.

  • No signup, no bank connection
  • Sample data or your own numbers
  • Live ratio + category breakdown

All tools

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Survival vs Lifestyle Calculator

See what share of your spending is essential vs discretionary.

Open tool
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50/30/20 Budget Calculator

Turn take-home pay into a needs / wants / savings target.

In the works
Soon
Subscription Audit

List your recurring charges and see the real annual cost.

In the works
Soon
Savings-Rate Calculator

What percent of income are you actually keeping?

In the works
Soon
Emergency-Fund Runway

How many months your cushion really buys you.

In the works
Soon
"Can I Afford It?" Check

Test a big purchase against your Lifestyle ceiling.

In the works
Why are these free?

Because the ideas only matter if people use them. The calculators teach the Survival vs Lifestyle vocabulary; Tracklio is for when you want it computed automatically from real transactions. No tricks, no email wall.

The automated version

Tools are the preview. Tracklio is the product.

When you're ready for bank-synced classification and a ratio that stays live all month, your free account is one click away.

Create your free accountTry the live demo
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