Free Tools
Tools to organise
your pay
Cover your bills, fund your goals, and know what you can spend. Start with Payday Planner or use individual tools for specific needs.
Payday Planner
The Complete Financial System
The full journey from income through bills, safety, goals, and spending. Map your entire financial picture and build a sustainable plan that works pay by pay.
Supporting Tools
Individual tools for specific financial planning needs.
What is my money personality?
Discover your financial psychology type and get personalised insights to improve your relationship with money.
- 3-minute personality assessment
- Uncover hidden money patterns
- Get tailored action steps
How much are my bills?
Know exactly what leaves your account each month so you can plan your paydays with confidence.
- See all bills in one calendar view
- Know how much to set aside each payday
- Never miss a payment again
How much emergency fund do I need?
Find your ideal safety net amount and create a realistic plan to build it.
- Calculate based on your actual expenses
- See exactly when you will be fully funded
- Explore ways to get there faster
How much do I need for retirement?
See how much to invest each month to hit your retirement goals with compound growth.
- Work backwards from your target income
- See growth with different return rates
- Visualise your wealth over time
How should I pay off my debts?
Create a payoff strategy and see your exact debt-free date with snowball or avalanche methods.
- Compare snowball vs avalanche strategies
- See your exact debt-free date
- Calculate interest you will save
What is this really costing me?
See the true opportunity cost of spending when you factor in lost investment growth.
- See what spending could have grown to
- Compare buying now vs investing
- Make smarter spending decisions
Should I consolidate my debts?
Find out if consolidating saves you money and how promotional rates affect your payoff.
- Compare current vs consolidated rates
- Add 0% promotional periods
- See total interest savings
Not sure where to start?
Start with Payday Planner. It combines all the tools into one complete system and shows you exactly where your money should go.