# The Instruments — Six Private Finance Calculators > Six personal finance calculators from The Brink Labs — budgeting, subscriptions, emergency fund, debt payoff, hourly wage and net worth. Canonical: https://thebrinklabs.com/tools/ Source: The Brink Labs · support@thebrinklabs.com · Last reviewed 2026-09-07 --- 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. 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. 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. 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. 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. 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. 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. 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. ### 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 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. --- This is the markdown representation of https://thebrinklabs.com/tools/, published so that AI agents and answer engines can read the page without parsing HTML. The full index of machine-readable resources is at https://thebrinklabs.com/llms.txt