Spending Analyzer
Reconcile observed cash movement with categorized spending before deciding where the month can change.
Open toolSpending and budgeting tools
Use the numbers you already know. These tools run locally, explain their assumptions, and do not ask for a bank login.
Match the calculator to your next decision
Start with the question you need to answer, then use the method notes to check what the result can and cannot show.
Subscription Detector
Review recurring charges, annualize their cost, and flag subscriptions worth checking.
Open toolBudget Optimizer
Test a monthly allocation against normal income and a weaker-income month before choosing the next priority.
Open toolSavings Account Comparison Calculator
Compare projected balances, fees, access time, and verified deposit protection on equal assumptions.
Open toolChoose the calculator by the decision
Each calculator answers a different question. Use the required inputs and output below to avoid applying a result to a decision it was not designed to make.
| Calculator | Best for | Inputs | Output |
|---|---|---|---|
| Spending Analyzer | Explaining one complete month without confusing account movement with spending | Opening cash, income, closing cash, and seven outflow groups | Reconciliation gap, observed outflow, and category shares |
| Subscription Detector | Comparing recurring charges with different billing cycles | Charge, cadence, reported use, and service role | Annual register, monthly equivalent, cost per use, and review queue |
| Budget Optimizer | Testing whether a monthly plan covers obligations and buffers | Income stress case, expense layers, cash reserve, and highest APR | Baseline margin, stressed margin, coverage, and next priority |
| Savings Account Comparison Calculator | Comparing verified savings offers on equal assumptions | Deposit, contributions, period, APY, fees, access, and protection status | Projected ranking with return, cost, access, and verification gaps |
What these tools do not do
They do not connect to financial institutions, recommend a particular account, or treat a generic ratio as a personal prescription. Outputs are educational scenarios based on the figures you enter, and each calculator names the evidence it cannot inspect. Review the financial calculator limits before using a result for a real decision.