Open the network tab
Type your salary in, watch nothing leave. There is no endpoint, no analytics beacon and no third-party script to fire one. That is a fact you can verify in ten seconds, which is more than a privacy policy offers.
The Instruments
Six Calculators.
Nothing Leaves The Page.
Small, exact tools for the questions money actually raises. Each one runs entirely inside your own browser — no account, no cookies, no upload, no server that could see your figures even if we wanted it to. Every one boots on a worked example, so you start by changing a number rather than facing an empty form.
6 instruments
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INSTRUMENT 01
Allocate
Zero-Based Budget Calculator
Enter what actually lands in your account, then hand every unit of it a job — rent, groceries, the trip in March, the card you are digging out of. The plan is finished when To Assign reads zero, not when you feel like stopping.
Open the allocatorTo assignWorked example
$0.00
Take-home$3,200
Envelopes funded11 of 11
INSTRUMENT 02
Stop the leaks
Subscription Bleed Audit
Add every recurring charge. It normalises the billing cycles, ranks each service by what it costs you per actual use, flags the ones you never open, and prices the whole habit over a decade.
Run the auditAnnual bleedWorked example
$1,164
Worst cost per use$14.99
Ten years, invested$18,400
INSTRUMENT 03
Build a floor
Emergency Fund Calculator
Savings divided by the month you cannot avoid. It is the single most useful number in personal finance and almost nobody knows theirs. Two fields, and you will.
Find your runwayRunwayWorked example
2.0
Months covered2 of 6
Short of six$8,700
INSTRUMENT 04
Clear the debt
Debt Payoff Calculator
Highest rate first, or smallest balance first? Enter your debts and see both played out side by side — months to clear, total interest, and exactly what the choice costs.
Compare the methodsAvalanche savesWorked example
$92
Time to debt-free2y 6m
Interest avoided$92.42
INSTRUMENT 05
Price your hours
True Hourly Wage Calculator
Your stated wage ignores the commute, the unpaid overtime and the costs that exist only because you work. Subtract them, and then price everything you buy in hours instead of currency.
Find the real rateStated → actualWorked example
−31%
Stated$20.77/h
Actually$14.33/h
INSTRUMENT 06
Measure the position
Net Worth Calculator
Two ledgers, one figure. True net worth, the liquid net worth that is harsher and more honest, and the debt-to-asset ratio that says how much room a bad month would leave you.
Measure the positionTrue net worthWorked example
$42,650
Assets − liabilities$68,300 − $25,650
Debt-to-asset37.6%
Why They Cost Nothing
A Calculator That Phones Home
Is Not A Calculator.
Most finance tools on the web are lead-generation with arithmetic attached. Yours is the data; the maths is the bait. We took the opposite position, and these 6 instruments are the proof rather than the promise.
The maths is checked
Every instrument is verified against a second, independently written implementation before it ships. Debt Payoff agrees to the cent across a 30-month simulation. Arithmetic about someone's money is not a place for approximately.
Nothing to maintain
No tax tables, no CPI feed, no jurisdiction logic to rot. Each one answers a question that was true in 1990 and will be true in 2050, which is why they can stay up without becoming a liability.
The Same Argument, Every Day
A Calculator Answers Once.
A Ledger Keeps Answering.
These instruments settle a question in thirty seconds. MyneWallet is what happens when you want the same answer on a Tuesday in March without typing anything in — the same architecture, the same refusal to phone home, running against a ledger that lives on your phone.
Android. One-time unlock for the full engine. No subscription, ever.
The instrumentsMyneWallet
Answers a questionBoth
Remembers the answerOnly the app
Tracks it over timeOnly the app
Sees your dataNeither. Ever.