We check every product on this page once a day and record whether it still answers.
Free interactive personal-finance calculators that run entirely client-side, for people who don't want their financial data leaving their device, instead of clunky table-based calculators.
FreeNo sign-upData stays with you
What to know▼
How it works
Runs 100% client-side; visual charts for savings, debt payoff (Snowball vs Avalanche), FIRE retirement simulation
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An app that turns UPI payment screenshots or bank debit SMS into categorized expense logs, for people in India who don't want to link their bank account.
Free
What to know▼
How it works
extracts amount, merchant and date from PhonePe/GPay/Paytm screenshots or SMS using AI
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Free, browser-only financial calculators (mortgage, debt, retirement) that never send your numbers to a server.
FreeNo sign-up
What to know▼
How it works
25 interactive calculators for mortgages, debt payoff, savings, and retirement that run entirely in your browser, showing the assumptions behind each result.
What's different
Numbers never leave your browser, and each result states its assumptions next to it; can be embedded on any site with one line of HTML.
Pricing
Free.
Best for
People who want to run financial calculations without sending their numbers to a server, or site owners embedding calculators.
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Compares prescription prices across seven pharmacy chains for 100+ drugs, so patients can find the cheapest place to fill a prescription before they go.
What to know▼
How it works
Compares prices for over 100 medications across seven major pharmacy chains, surfacing instant savings on brand-name and generic drugs.
Best for
Patients who want to find the cheapest place to fill a prescription before going to the pharmacy.
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An informational guide explaining the cost factors involved in building a crypto exchange platform, for startups budgeting a project instead of guessing.
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A tool that analyzes your Stripe Balance CSV export to reveal your real effective processing fee rate versus the advertised 2.9%, for Stripe users who want to find savings without connecting via OAuth.
What to know▼
How it works
Upload your Stripe Balance CSV to see your real fee rate, what's driving fees, and where savings are possible.
Pricing
Free preview.
Best for
Stripe merchants who suspect they're paying more than the advertised rate.
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Personal finance dashboard combining budget tracking, savings goals, and a stock-analysis/investment-journal framework, explicitly not financial advice.
Watch out · Explicitly an educational tool, not financial advice.
What to know▼
How it works
Centralizes automated budget tracking, real-time savings goals, an investment portfolio and journal, an 8-category fundamental analysis framework, and an investment thesis model for why/when to buy or sell.
Watch out
Explicitly an educational tool, not financial advice.
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A free, regularly-updated directory ranking current Canadian bank sign-up bonuses and no-fee chequing accounts, with each offer checked against the provider's live terms.
Free
What to know▼
How it works
A free directory that ranks every current Canadian bank welcome bonus and reviews no-fee chequing accounts, with plain-English guides.
What's different
Every offer is checked against the provider's live terms before publishing and re-verified weekly, rather than left to go stale.
Pricing
Free.
Best for
Canadians shopping for the best current bank sign-up bonus or a no-fee chequing account.
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A dead-simple expense tracker: type a shorthand phrase like 'coffee 12' and it's logged and categorized instantly. Data stays on your phone, with no bank linking or account required.
Watch out · Because there's no bank linking, entries rely on you remembering to type them rather than automatic transaction capture.
No sign-upData stays with youNo ads
What to know▼
How it works
Type a shorthand phrase like 'coffee 12' and it's instantly logged and categorized as an expense.
What's different
No bank linking, no signup and no ads — data stays on your phone rather than syncing to a server.
Pricing
No signup required.
Best for
People who want expense tracking simple enough to actually stick with, without linking a bank account.
Watch out
Because there's no bank linking, entries rely on you remembering to type them rather than automatic transaction capture.
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A private debt payoff calculator that runs in your browser without linking bank accounts, replacing spreadsheet macros. For individuals planning their own payoff strategy, not a trade tool despite 'Architect' in the name.
Can export my data
What to know▼
How it works
A browser-based debt payoff planner that runs the math without linking bank accounts, using a 'Blitz' method that targets the debt with the highest monthly interest dollar cost (balance times APR) rather than the lowest balance or highest rate alone.
What's different
Combines the psychological benefit of Snowball with the interest savings of Avalanche by targeting cash leakage first, and requires no bank login.
Best for
People planning their own debt payoff strategy who don't want to link bank accounts or build spreadsheet macros.
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A budget tracker that runs its AI models entirely on your Android phone, so your spending and income never leave the device — free, no account, no ads, no tracking.
FreeNo sign-upWorks offline
What to know▼
How it works
Tracks income and spending using five AI models that run entirely on the Android device itself, from a 135M-parameter model up to Phi-4 Mini 3.8B, plus a tax engine covering 45 countries.
What's different
Unlike other AI finance apps that send your salary and spending to a server, the models run on-device so financial data never leaves the phone.
Pricing
Free on Android.
Best for
Android users who want AI-assisted budgeting without sending financial data to a company's server.
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Free 60-second financial health grader covering income, savings, debt and net worth, entirely in-browser.
FreeNo sign-up
What to know▼
How it works
Grades financial health across income, savings rate, debt, emergency fund, and net worth using a transparently published formula, then gives a ranked plan to raise the score.
What's different
No sign-up or bank connection — calculations run entirely in the browser, nothing stored.
Pricing
Free forever, with an optional Pro tier for deeper tracking and saved scenarios.
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A browser-based AI budgeting and personal-finance planner with no install or bank connection required, aimed at students and freelancers managing their own money.
Nothing to install
What to know▼
How it works
Organizes budgets, tracks expenses, plans savings, and answers everyday money questions, running entirely in the browser with no bank connection.
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Independent guide and lender-matching service for ITIN holders and foreign nationals seeking loans without an SSN.
Watch out · No guaranteed-approval schemes or CPNs.
Free
What to know▼
How it works
Provides independent guides and lender matching for mortgages, auto loans, personal loans, business loans, and credit cards for ITIN holders and foreign nationals without an SSN.
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Free gross-to-net salary, VAT, and finance calculators for 28 European countries, with side-by-side comparisons, PDF export, and no signup.
FreeNo sign-upCan export my data
What to know▼
How it works
Calculates take-home pay, VAT, self-employed and hourly rates, and other finance scenarios using official 2026 rates for 28 European countries, with charts and PDF export.
Pricing
Free, no signup.
Best for
People comparing pay or savings scenarios across European countries.
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An on-device subscription tracker with a one-time lifetime unlock instead of a cloud account or recurring fee.
Watch out · No account, no bank connection, no cloud.
No sign-upWorks offlineNo subscription
What to know▼
How it works
Tracks subscriptions, trials, and recurring bills entirely on-device, showing monthly/yearly costs and catching trials before they convert, with local renewal reminders.
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A free, no-signup toolkit of finance calculators and everyday utilities, plus an AI money assistant, aimed at users in India, the US, and the UK.
FreeNo sign-up
What to know▼
How it works
35+ finance calculators (SIP, EMI, tax, loans), 40+ everyday tools like PDF and image utilities, and a free AI money assistant, all running privately in the browser.
Pricing
Free, no signup.
Best for
Individuals in India, the US, or the UK doing quick finance calculations.
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A free, no-login set of 17 Hong Kong-specific financial calculators covering property, tax, retirement, and investing, instead of generic US-centric calculators.
Free
What to know▼
How it works
17 free calculators across property, tax, retirement, investing, and market data, tailored to Hong Kong rules.
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An offline subscription tracker with no bank linking, account or cloud sync, for anyone tracking recurring costs without handing over financial data, not just developers.
Watch out · Built solo by a self-taught developer using AI-assisted workflows, with no team or funding behind it.
No sign-upWorks offlineData stays with you
What to know▼
How it works
Tracks subscriptions, renewal dates and costs entirely on-device across 170+ currencies, with no account, bank linking or cloud sync.
What's different
Skips bank login entirely, unlike most subscription trackers.
Best for
People who want to track recurring spending without handing over financial data.
Watch out
Built solo by a self-taught developer using AI-assisted workflows, with no team or funding behind it.
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Turns messy bank CSV exports into a local ledger with an AI advisor that explains and can act on your finances, for people tired of chat-over-CSV finance tools.
What to know▼
How it works
Parses recurring bank exports into a local ledger, separates accounts by purpose
What's different
Keeps uncertainty visible instead of forcing false precision; advisor can take approved actions
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A micro-investment app for buying small amounts of 24K digital gold starting at 50 rupees. Aimed at young, casual savers in India rather than serious investors.
What to know▼
How it works
A micro-investment app for saving and buying 24K digital gold starting from ₹50 per purchase.
What's different
Focuses on building small, consistent saving habits rather than optimizing for returns like traditional investment platforms.
Best for
Young, casual savers in India who find traditional investing intimidating.
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A desktop waterfall modeling tool for commercial real estate developers to compute IRR, promote, and capital calls from their capital stack and lease-up assumptions.
What to know▼
How it works
Enter capital stack, debt structure, and lease-up assumptions to solve LP/GP waterfalls in real time.
Best for
CRE developers, GPs, and analysts modeling deal returns.
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Grades 150+ countries A+ to F for affordability, safety, weather and flights — affordability blends World Bank PPP data with live exchange rates, safety pulls from three governments' travel advisories, plus a budget filter and 176 country guides. Free, no sign-up.
FreeNo sign-up
What to know▼
What's different
Built solo in Python's standard library with zero dependencies.
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A personal finance tool that connects your real bank accounts via Plaid and lets you build a flexible model of your household's money instead of a rigid budgeting app.
What to know▼
How it works
Connects real bank accounts through Plaid and pairs them with a spreadsheet-native modeling engine where every cell is a formula, letting users build custom financial models rather than use a fixed template.
What's different
Instead of only showing where money already went, it lets users model outcomes and answer forward-looking questions like affordability of a mortgage on a lower income.
Best for
People who want to build their own financial model rather than fit their finances into a rigid template.
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Bundles loan comparison, budgeting, notes, flashcards, habit tracking and reminders into one app across devices, instead of using eight separate life-admin apps.
What to know▼
How it works
One PWA across phone, tablet and laptop, 8 languages including RTL.
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Free calculators showing how extra loan repayments reduce term and interest across mortgages, personal loans, and car finance, for borrowers planning payoff strategies.
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Lets couples run their whole wedding from one guest list instead of juggling five apps and ten spreadsheets.
What to know▼
How it works
An RSVP updates headcount, dietaries, budget, and seating chart together; includes drag-and-drop seating, QR find-my-seat codes, budget tracker, checklist, and free wedding website.
Pricing
free to start; A$99/A$199 one-time, no subscription
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A voice-first personal budgeting app that gives you a 0-100 financial health score based on your spending and habits, aimed at people who don't want to manage a spreadsheet.
Watch out · The 0-100 financial score is the product's own metric, not a standard credit or financial-health score.
What to know▼
How it works
A voice-first budgeting app: you talk through your spending instead of filling in a spreadsheet, and it produces a 0-100 'financial health' score from your habits.
What's different
The scoring system (ARKAD Aura) is the specific differentiator — a single number meant to track whether your money management is improving over time.
Best for
People who find spreadsheet budgeting tedious and want a simpler, voice-based way to track financial habits.
Watch out
The 0-100 financial score is the product's own metric, not a standard credit or financial-health score.
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Splits bills and chores among roommates with XP, badges and leaderboards, positioning itself against boring expense trackers rather than any specific rival app.
What to know▼
How it works
Splits shared expenses and assigns chores among roommates, with XP, badges and leaderboards to compete for House Boss.
What's different
Gamifies roommate logistics instead of functioning as a plain expense tracker.
Best for
Roommates who want bill and chore splitting to feel less like a chore itself.
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An envelope-style budget tracker that imports bank statements and categorizes spending entirely in your browser, for a one-time payment with no subscription and no data upload.
Data stays with youPay onceNo subscription
What to know▼
How it works
An envelope-style budget tracker that imports bank statements, auto-categorizes spending, and tracks recurring bills, storing everything in the browser.
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A personal finance app that shows only the numbers that matter — cash flow, net worth, debt, savings — instead of charts and reports, for people who find typical finance apps overwhelming.
What to know▼
How it works
Combines cash flow, net worth, debt, investments, savings goals, recurring commitments, and a Safe to Spend figure into one view, surfacing only the numbers that matter instead of charts and reports.
What's different
A clarity-first approach versus typical finance apps that require you to interpret transaction charts yourself.
Best for
People who find typical personal finance dashboards overwhelming and want simplified numbers instead.
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Split the bills, not the friendships
What to know▼
How it works
Scan a receipt and AI reads every item; claiming then goes turn-based as you pass the phone around the table, tapping what you had and splitting shared plates, with tips, per-item US tax, and multiple currencies handled automatically before sending a share card with a tap-to-pay link.
Best for
Groups splitting a restaurant bill who want everyone to pay only for what they ate.
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Free live currency converter with real-time mid-market rates for 160+ currencies — historical charts, an inflation calculator, forex guides and rate alerts, no signup.
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A net worth tracker for FIRE-minded people who manually enter balances quarterly instead of linking bank accounts, with FI-number and Coast FIRE math built in.
FreeNo sign-upWorks offline
What to know▼
How it works
Manually type in account balances periodically; the app computes net worth trends and FI/Coast-FIRE numbers
What's different
Never links to your bank accounts
Pricing
Free, no signup required to try
Best for
People pursuing FIRE who want a spreadsheet replacement without connecting bank data
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Free browser calculator showing the exact investment amount and year needed to make work optional, across FIRE variants.
Watch out · Runs in the browser, no account required.
FreeNo sign-up
What to know▼
How it works
Calculates the exact investment amount and year needed for expenses to be covered indefinitely, covering Standard, Coast, Barista, Lean and Fat FIRE plus a safe-withdrawal-rate tool.
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An iOS/Apple Watch app that tracks subscriptions and recurring bills with local, private data and reminders to avoid surprise charges.
Watch out · iOS and Apple Watch.
No sign-upWorks offlineData stays with you
What to know▼
How it works
Tracks subscriptions, recurring bills, and automatic payments in one dashboard with smart reminders, widgets, and Apple Watch support, storing data privately on-device.
We check every product on this page once a day and record whether it still answers.
Splits shared bills among friends and works out the fewest payments needed to settle up, entirely on-device with no account; supports 150+ currencies and 11 languages.
FreeNo sign-upWorks offline
What to know▼
How it works
Add who paid for a shared bill and it calculates who owes whom, along with the fewest payments needed to settle up.
What's different
Everything stays on-device with no account and no ads, works offline, and supports 150+ currencies and 11 languages.
Pricing
Free, no account.
Best for
Groups of friends splitting shared expenses who want a private, offline tool.
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Private expense tracker based on the 50/30/20 budgeting rule, no login, one-time payment.
No sign-upData stays with youPay once
What to know▼
How it works
Tracks expenses around the 50/30/20 budgeting rule with smart budgeting, monthly insights, recurring transactions and PDF export, storing data only on the device.
Pricing
One-time payment, no subscription.
Best for
People wanting a private expense tracker with no login.
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Saves screenshots and shared content from any app into one categorized, on-device library using Apple Intelligence.
Watch out · Relies on on-device Apple Intelligence.
No sign-upWorks offlineNo subscription
What to know▼
How it works
Lets you share content from any app's share sheet into one place — title and image are grabbed automatically, and on-device Apple Intelligence sorts it into a category; browse by category, add tags, or use 'Daily Review' to resurface saves.
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A no-signup calculator estimating monthly burn, runway and break-even income for remote workers and freelancers comparing nomad destinations before they move.
No sign-up
What to know▼
How it works
Calculates monthly burn, runway and break-even income, letting you compare rough planning costs across popular remote-work destinations before you choose where to move.
Pricing
No signup required.
Best for
Remote workers, freelancers and indie makers planning where to live next and what it will cost.
We check every product on this page once a day and record whether it still answers.
A local-first bookmark and file library for Mac that saves links, images and PDFs with on-device AI sorting, for a one-time payment. For individuals who want a private personal archive, not team use.
Works offlinePay onceNo subscription
What to know▼
How it works
A local-first personal library on Mac that saves links, images and PDFs, with on-device AI sorting them automatically.
Pricing
One-time payment.
Best for
Individuals wanting a private personal archive, not a team tool.
We check every product on this page once a day and record whether it still answers.
An offline subscription manager that encrypts financial data locally, warns about trial expirations, and calculates the long-term cost of recurring subscriptions.
Works offlineData stays with you
What to know▼
How it works
Encrypts data locally with AES-256 with no bank link or cloud account, sends timed trial-ending warnings, calculates 5/10-year subscription costs, and can generate WhatsApp bill-split reminders.
Best for
People who want to track and cut subscription costs without linking a bank account or uploading data.
We check every product on this page once a day and record whether it still answers.
A free suite of 70+ browser-based financial calculators that run locally without signup.
FreeNo sign-upNothing to install
What to know▼
How it works
70+ browser-based financial calculators covering growth, retirement, mortgage, debt, tax, budgeting, and investing, all running locally with nothing sent to a server.
We check every product on this page once a day and record whether it still answers.
Splits shared expenses across recurring friend groups and trips, with AI receipt scanning, WhatsApp logging and offline mode that syncs when reconnected.
No sign-upWorks offlineNo ads
What to know▼
How it works
You create one group per friend circle, and every dinner, trip, or outing becomes an event inside it, with AI receipt scanning and settlement suggestions, expense logging via WhatsApp, multi-currency support, offline mode that syncs when reconnected, guest members with no account needed, and one-tap payment via Venmo or PayPal.
What's different
Organized around an ongoing friend group rather than a single trip, so history carries across every dinner and trip together.
Pricing
Free to start, no ads, no data selling.
Best for
Recurring friend groups splitting expenses across many dinners and trips over time.
Every number here comes from our own daily check — not from a vendor list.
Tools for personal money — how many are there?
Tablif is tracking 494 of them. 486 answered our check today, and 2 we couldn't reach — we don't claim those are dead.
Which ones are still maintained?
Tablif knocks on every door once a day and records the answer. 486 of these 494 responded on the latest run, so that number is what "still here" means on this page — not a review score.
Are any of them free?
152 of the live ones say so in their own words, and 87 let you start without making an account. Tablif records the claim the product makes; we don't verify pricing.
Any open-source options?
7 of the live ones on Tablif mention being open source.
What's the newest one?
Halfway — Tablif first saw it today.
Did a person actually look at these?
487 of them Tablif opened and read, then wrote a one-line summary in our own words instead of reusing the founder's tagline. The rest carry keyword labels we haven't confirmed by reading yet — and we say so rather than hiding it.
