Free tools
Free money tools
Calculators that run on the same math as the SmartSpend AI app. They work right in your browser: no sign-up, and nothing you type is sent anywhere.
Credit card payoff calculator
See when your credit cards will be paid off and how much interest you'll pay, with the order to pay several cards in to save the most.
Open the calculatorSubscription finder
Drop in your bank's CSV export to find every recurring charge, what it costs a month and a year, and which ones went up. It runs in your browser.
Find your subscriptionsWill I make it to payday?
Enter your balance, paydays and bills to see your lowest point in the next 30 days, what's safe to spend now, and which due date to move if you'd come up short.
Check your monthEvery tool runs in your browser. Nothing you type is sent anywhere or saved.
Early access
Be first to take control of your money.
It's in private testing now. Leave your name and email and you'll hear the moment it's ready.
- Know what's safe to spend before payday
- Catch forgotten subscriptions and price hikes
- A clear path out of card debt and toward your goals
- Works with the PDF statements you already download — no bank login