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.
Bills Calculator
Know exactly what is leaving your account
Quickly map your recurring bills, see when they fall due, and get a clear calendar view of your fixed costs each month.
- Bills calendar with due dates
- Fixed cost breakdown & score
- Bills allocated to paydays
Emergency Fund Planner
Build your safety net
Figure out how much you need for your rainy day fund and create a realistic plan to get there.
- Calculate your ideal fund size
- See when you will be fully funded
- Visualise acceleration options
Investment Calculator
See your money grow
Project how your investments could grow over time. Work backwards from your target to find how much to invest.
- Growth projection charts
- 10% vs 7% adjusted returns
- Reverse calculator for targets
Debt Payoff Strategy
Crush your debt faster
Map out all your debts and create a payoff plan. See how extra payments accelerate your debt-free date.
- Snowball vs avalanche strategies
- See your debt-free date
- Interest savings calculator
True Cost Calculator
See what spending really costs
Discover the real cost of your spending. See what that money could have grown to if invested instead.
- Calculate opportunity cost
- See lost investment growth
- Compare spending vs investing
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.