Free Utilities Suite
A curated suite of free, independent utilities for your money, your focus, and your privacy. Every tool runs completely within your browser engine — instant, frictionless, and secure.
Zero data leaves your device. All calculations, progress, and keys stay strictly in your local browser.
Debt & Interest
Calculate payoff timelines, total interest, and monthly amortization. Simulate how extra principal payments accelerate debt freedom using fixed, simple, or compounding interest models.
Computed in-memory, 0 server calls
Launch ToolHabit & Goals
Create structured personal saving plans with proven schedules (52-week, bi-weekly, or monthly). Track milestones with an interactive checklist that persists locally in your browser.
Saves progress locally in your browser
Launch ToolMoney & Mindset
Five everyday money choices, with a playful reflection revealed after every answer. Replay with new situations; no score or personality label.
Answers stay on this page
Launch ToolDebt Strategy
Side-by-side strategy comparator. Contrast psychological quick wins (Snowball: lowest balance first) against maximum interest savings (Avalanche: highest APR first) with dynamic payment rollover cascades.
Computed in-memory, 0 server calls
Launch ToolProductivity & Flow
A distraction-free productivity timer with Pomodoro, deep work, and customizable interval cycles. Features soft chime alerts, live browser tab countdown, and local session stats without tracking.
Runs offline in background tabs
Launch ToolZero-Knowledge Crypto
Encrypt private notes and files up to 10 MB with AES-256-GCM and PBKDF2 passphrase derivation. Nothing is uploaded to any remote server.
Pure Web Crypto API — zero network requests
Launch ToolMindfulness & Deep Work
A multi-track ambient soundscape sanctuary and lofi music player. Mix 6 themed environments (café, rain, campfire, waves, library, zen garden) with multi-track nature audio and seamless 2-song lofi playlists in Zen fullscreen mode.
Lossless audio & hybrid synthesis — 100% private in-browser
Launch ToolMost online financial tools send your interest rates, loan amounts, and personal notes to a remote server for advertising profiling and tracking. Here is how our browser tools differ:
Every formula, balance calculation, and encryption routine happens strictly on your local CPU.
Open the page and use it immediately. No email required, no passwords to remember, no cookies tracking you.
Once loaded in your browser, calculations and timers work even if your device drops its connection.
High-security tasks like AES-256-GCM encryption use native browser APIs without third-party analytics.
Everything you need to know about our free privacy-first utilities.
These free tools solve individual tasks. The full Simple Money Tracker app connects your entire financial picture: AI-assisted expense logging via Telegram, customizable monthly budgets, and an end-to-end encrypted vault where only you hold the keys.
