financial clarity
financial clarity
Hey. No quiz. No bank access. No judgment.
Just your numbers — and what they actually mean.
🔒

100% private. Your numbers never leave your phone. We couldn't see them if we wanted to.

What should we call you?
What lands in your bank on payday?
Take-home after taxes.
$
Not sure of take-home? Estimate from gross →
How often?
Any other income?
Dividends, rental, side hustle. Skip if not.
What's the first debt you want to look at?
Fixed monthly costs? Rent, utilities, insurance.
Optional — but completes your full picture.
Mortgage True Cost
See what a home loan actually costs over time — and how to save thousands.
Home Price
$
Down Payment
$
Interest Rate
%
Loan Term
Impulse Cost Calculator
Not here to judge. Just to show you what that purchase actually cost — in time, not just dollars.
Think about a rough month — stress purchases, impulse buys, whatever it was. How much did you spend beyond your normal budget?
$
Pick which debt this affected most:
Debt Consolidation
Should you roll your debts into one loan? See if the numbers actually work in your favor.
Consolidation loan offer
New Rate
%
Term
mo
Origination Fee (optional)
%
Typically 1–8% of loan amount, deducted upfront
Balance Transfer
That 0% offer sounds great. But after the fee and the deadline — is it actually worth it?
Transfer card offer
0% Period
mo
Transfer Fee
%
Rate After Promo Ends
%
If you don't pay it off in time, this kicks in on the remaining balance
Tip Calculator
Split any bill, any tip, any number of people.
Bill Total
$
People
Tip Percentage
Custom tip %
%
Savings Goal Tracker
How long until you get there — and what happens if you save a little more.
Goal Amount
$
Current Saved
$
Monthly Deposit
$
Annual Interest %
%
Interest rate: use your HYSA rate, or 0 if a regular account.
Tax Awareness
Understand what you actually take home — and how to legally keep more of it.
Annual Gross Salary
$
Filing Status
Monthly 401(k) Contribution
$
Pre-tax contributions reduce your taxable income. Try increasing this and watch your take-home barely change.
Net Worth
What you own minus what you owe. The one number that shows real financial progress.
Your Assets — What You Own
Your Liabilities — What You Owe
Debts are pulled from your Overview automatically. Add more →