do the sums where you can see them.
expense logs, subscription audits, savings goals and retirement arithmetic — your numbers, your assumptions, visible.
what could i work out about my own money?
01 / what this ismoney tools have a trust problem that has nothing to do with security. a calculator that will not show you its formula, a budgeting app that wants read access to your bank, a retirement projection with an assumed return buried in a settings page you never opened — the answer might be right, but you cannot check it, and you certainly cannot change the part you disagree with.
a page you had built is the opposite. you supply the numbers and the assumptions, the page states them on screen, and the arithmetic is right there in the file. if you think four percent is optimistic you change it and watch the answer move. nothing is uploaded, nothing is connected to a bank, and nothing is inferred about you — a page cannot see your accounts, which is a limitation and also the reason it is safe to use.
none of these are advice and none of them are forecasts. they are arithmetic on inputs you chose, and every recipe here asks the page to say so and to print the assumptions next to the result. what you type stays in your own browser; a page published anonymously is public for 24 hours, so anything you intend to come back to monthly needs claiming.
in this cluster.
02 / 4 recipeswhere the money actually went.
track spending in your own categories with nothing connected to a bank
what you are paying for every month.
see every subscription, what it costs annually, and what renews next
your assumptions, in the open.
run retirement arithmetic with assumptions you set and can see
how far off the number is.
track progress toward a savings target that does not live in one account
questions.
03 / questionsdoes it connect to my bank?
no, and it cannot. the page is a single html file that makes no outside requests — there is no integration to authorise and nothing to revoke. you enter what you want it to know. that is more typing and considerably less exposure.
where do my figures go?
into your own browser’s storage, on the device you used. they are not sent to us and we could not read them if we wanted to: we store the html you published, not what anyone types into it. the flip side is the usual one — another device is a blank page, so use the export the prompt asks for.
is any of this financial advice?
no. these pages do arithmetic on numbers and assumptions you supply, and they are written to print those assumptions beside the answer rather than hide them. a projection is not a prediction, a rate you picked is not a rate you will get, and none of this substitutes for someone qualified looking at your actual situation.
should i put real figures on a public url?
think about it first. a published page is readable by anyone who has the link, and links get forwarded. the figures you type in stay local, but anything baked into the html when it was built is part of the page. the usual answer is to keep the page generic and enter the real numbers yourself, which is how these recipes are written.