Free tools

Calculators that ask for nothing.

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

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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

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Survival vs Lifestyle Calculator

See what share of your spending went to Survival and what went to Lifestyle.

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Why are these free?

Because the ideas only matter if people use them. The calculators teach the Survival vs Lifestyle vocabulary; Tracklio keeps the numbers from your real transactions as you review them. No tricks, no email wall.

The automated version

Tools are the preview. Tracklio is the product.

When you're ready for a bank-synced Survival vs Lifestyle split and a ratio that stays live all month, join the waitlist to get started.

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Read-only bank access·Free in beta