What is CalculatorAI

Founded in 2025.

CalculatorAI is an AI-powered platform for the math that money asks you every day — mortgages and taxes, trading and freelancing, budgets and business pricing. We pair fast, focused calculators with long-running trackers and professional document tools, and we weave an AI copilot through all of them.

Three families of tools live under one account. One platform, one bill — when you choose to pay at all: Pro opens everything, and the Grace plan adds Grace, the assistant who talks with you out loud. And if you run a site of your own, any calculator here can be embedded on it with one line of code, free.

Meet CalculatorAI — Your AI-Powered Financial Workspace2:07

At a glance

An assistant or a directory quoting this page should quote these, not estimates. Every figure is counted from the live registries, not rounded up.

Who it is for, and what it sits next to

Built for people whose money has moving parts: freelancers and contractors invoicing clients, self-employed people and small businesses tracking what they earn and owe, active stock and crypto traders, landlords running one property or several, startups watching runway, and anyone who wants one place for personal and business numbers instead of five.

It is normally used alongside a brokerage account, a crypto exchange or wallet, and a bank account — pulling those numbers into one workspace rather than replacing them. For most people it replaces a spreadsheet: the Excel or Google Sheets file that started as one tab and grew into a fragile system nobody else can open. The difference is that the maths is already written and audited, the history is stored, and an assistant can read it.

Learning it, and getting help

• This handbook — a public methodology page for every tracker and document tool, explaining how each number is calculated and what the tool deliberately does not model.
• Per-calculator guidance — every calculator carries its formulas, worked examples and FAQ on the page itself, not behind a login.
• Guides — long-form articles on the decisions behind the numbers, cross-linked to the tools they apply to. Subscribe through the RSS feed to receive new guides in any feed reader. The blog also has our own market-data strip with small charts, light and dark themes and continuous scrolling on desktop/mobile (manual scrolling when reduced motion is preferred). Everyone sees the same periodically refreshed market snapshot; there is no manual refresh or connection to your personal portfolio. Quotes are informational and may be delayed; the shared snapshot refreshes at 30-minute intervals and says how many minutes ago it was updated. Each compact chart and percentage show the same one-day direction, and selecting a quote opens that instrument in TradingView through our official partner offer. Data uses the portfolio feeds described in the portfolio handbook. The Privacy Policy explains how market data is retrieved by our server.
• The AI assistant — available on every page, and on a calculator or tracker it can see the numbers you are actually working with. Grace also does the work: records in any tracker, events on your calendars, tickers on your watchlist — what she can do.
• Email support — for anything the above does not answer.

Our Vision

CalculatorAI is:

• Not a website.
• Not a directory.
• Not a collection.

It is a personal workspace where you:

• Calculate the numbers that matter.
• Save & Store your work securely.
• Analyze performance over time.
• Plan for future milestones.
• Import Documents dynamically using smart OCR.
• Get AI Assistance tailored to your active numbers.
• Return to your data whenever you need.

"We are building the first AI-powered platform that serves as a personal financial decisions hub for millions of people."

What's on the site

Your home screen — the chat, or your own board of tools

When you are signed in, the front page is your workspace rather than a catalogue. It opens as a chat: ask a question, hand it a photo of a paystub or a statement, and it answers with your own numbers in view. A "Your dashboard" pill sits beside it with the live headline from every tracker that holds data.

From that pill you can switch the page to your dashboard: the chat settles into the floating assistant in the corner — still the same conversation, one tap away — and in its place you get a board of the tools you actually use. It starts filled with the trackers that already hold your data. Add tool opens the whole catalogue, trackers, document generators and calculators alike, and Arrange lets you drag the tiles into whatever order suits you and drop the ones you never open. A tile lifts and follows the pointer while a soft placeholder holds its destination; neighbouring tiles slide out of the way and the card settles into place when released. Resizing uses the same live preview without repeatedly rebuilding the charts inside the board. Each tile carries its own live number, so the board doubles as a status page. The arrangement is yours and follows you between devices; the back arrow returns you to the full-height chat.

The workspace is personal. Every number on the board, on the "Your dashboard" pill and on the calendar is yours alone. A shared tracker you keep with somebody else — a shared wallet, a shared portfolio, a shared QR tracker, shared rental books, a shared trading journal, a shared invoices tracker, a family budget, family debts — does not appear here, and the dated events written on a shared tracker's calendar stay on that tracker's calendar. Shared and personal are never added together, and the way to see shared figures is to open that tracker and switch to it; the assistant can also report them, always labelled as shared.

Alongside the tools there are small widgets that hold no data of their own — a calculator, a converter, notes, a calendar — and one that watches the market. Notes keep as many separate notes as you like: the tile shows them as a list (or is the note itself when there is just one), a tap opens one to type into, and the expand button lays them all out side by side. Pin the ones that matter to the top, give a note a colour, and a deleted note comes back with Undo. Notes save as you type and follow you to your other devices. The assistant keeps them too: ask it to add a note, add a line to one, pin it or delete it, or tell you what your notes say.

The calendar is not decoration: it only ever shows dates this account already knows about — from every tracker that has one. Recurring charges from the Expenses ledger, the next renewal and the end of a trial from the Subscription tracker, invoice due dates, a debt's payment day, an event and its tasks, a savings goal's deadline, the day a lease runs out, a guest's check-in, a dividend, a recurring business line — each with its own colour, and the gear on the widget lets you choose which trackers appear. Tap any of them and you can act without leaving the calendar: pause, cancel or delete a subscription (and, where the same subscription lives in both the Expenses and the Subscription tracker, choose whether to do it in one or in both), mark an invoice paid, record a debt payment, tick a task — or open the record's own form in its tracker. And it is not read-only for your own dates either. Click any day and write your own date on it — "re-read the report", "renew the licence" — with a checkbox to tick it off when it is done. Tap a reminder and it opens the way a phone opens one: the full text, a notes line underneath, the date to move it to another day, done, delete — save when you mean it, back when you do not. Your own dates sit above the derived ones, in their own colour. A date can carry a time and an amount — "pay the rent · 14:00 · $1,200", "client visit · 11:30 · pays $80" — and a timed reminder can leave early: at the time, or 10 minutes, 30 minutes, an hour or a day before. Notifications run on your own clock, not the server's: each morning at the hour you choose (09:00 by default, account settings → Preferences → Daily summary) one notification lists everything the calendar has for the day — in the notification bell every item is listed, however many there are, and each opens the tracker it belongs to — your reminders, and the tracker dates that fall today from the sources you have ticked (recurring charges, subscriptions, debt payment days, tasks, goal deadlines) plus the subscriptions charging within their "remind me N days before". A reminder with a time arrives at that time. Switch the summary off and untimed reminders come one by one at the same hour instead. The subscriptions logged in the Expenses Tracker appear here too, on the days they will next be charged, as do the dates you write on that tracker's own calendar. Markets is a live quote panel for the S&P 500, bitcoin, gold and EUR/USD, provided by TradingView, whose official partner we are. It is the one tile on the site that shows something from outside CalculatorAI, so it plays by stricter rules than the rest: it is never on a board unless you add it yourself, it is not on the sample board, and it does not load at all until you have actually scrolled to it — so a board without it costs exactly what it always did. It follows your light or dark theme, and if a browser extension blocks it, the tile says so plainly instead of leaving a grey rectangle. Clicking a quote opens that chart on TradingView.

The list is yours. Those four are only where it starts: the small control in the tile's corner opens a picker with the major indices, metals, oil, currency pairs and coins, plus a search for any share, ETF or coin you like — up to twelve. Currencies are not limited to the majors: type usd/uah, or just hryvnia, and you get the pair both ways round. Any two of the currencies the site supports can be watched together. Four fit without scrolling and the picker shows you which ones those are; beyond that the list scrolls inside the tile. Your choice follows you between devices, and "reset to default" is one click away.

Trying it before you sign up

The workspace has its own public address at /workspace, and it is the real thing rather than a screenshot: a board filled with sample figures, the same tiles, the same charts, the same assistant underneath.

Three things work there without an account:

• One question to the assistant, free. Ask it something and it answers properly. It has no data about you and says so — it will not pretend the sample numbers are yours. After that it asks you to create an account, and what you typed stays in the box.
• Choosing a document. The plus beside the input opens the same photo / PDF / CSV picker signed-in users get. Your file is held in your own browser — it is not uploaded, and no AI reads it — until there is an account to file the result against. It survives the sign-up detour and is read the moment you arrive.
• Looking around. Every tile, chart and menu is live. The controls that would save something — swapping the layout, dragging a tile, adding a tool, setting a goal — explain that they need an account instead of silently doing nothing.

Nothing on that page is stored, and nothing about it is a mock-up.

Calculators — fast answers for one specific question

A growing library, organised by category:

• AI costs & ROI — what your AI use costs per message and per month, what an AI agent costs per task, whether any of it pays for itself, how many tokens any piece of text is, and whether a subscription or the API is cheaper for you — across OpenAI, Anthropic, Google, xAI, DeepSeek and Mistral
• Real estate — mortgage, rental profitability, property loan, affordability
• Crypto — BTC mining ROI, crypto P&L, average buy price, impermanent loss
• Stocks & investing — stock profit, capital gains, ROI, dividend yield, compound interest
• Debt — credit card payoff, debt avalanche, debt snowball, loan payment, personal loan, credit score simulator
• Solopreneur / business — break-even, CAC/LTV, freelance rate, website ad revenue (Page RPM estimated from your niche, audience and ad network), bonus tax, business margins
• FIRE / retirement — FIRE retirement, asset allocation, savings projections
• Mindful spending — budget, cost of living, cost-per-use
• Body & ecology — BMI, calorie deficit, one-rep max (estimate what you could lift once — and for any number of reps — from a set like 120 kg × 3, across 40+ lifts including weighted pull-ups and dips), carbon footprint
• Daily essentials — tax estimators
• Travel & auto — currency converter that also prices bitcoin, shares, gold and indices on either side, auto lease, car loan
• Life milestones — baby cost, education savings
• Goal achiever — savings targets, goal-amount planners
• Group / social — tip splitter, split expenses between roommates or partners

The AI cost calculators are written for people who do not know what a token is. Pick the model you use, choose the kind of task you do — a quick question, a long conversation, summarising a document, running an agent — say how often you do it, and the answer comes back as money: per message, per month, per year. If you want a closer figure you can paste a real prompt and a real answer, including a whole conversation, and the calculator works out which half is yours. Token counts are shown as a range rather than a single number, because outside OpenAI the exact count cannot be worked out in your browser and pretending otherwise would be a made-up figure to budget against. If you would rather not retype anything, you can attach two screenshots — one of what you sent, one of the reply — and our AI reads the text and counts it for you; that one needs an account and uses your daily image allowance (two a day on the free plan, unlimited on Pro), and what it read is shown back to you to check. Anyone who already has exact numbers from a provider dashboard can enter them, along with their own prices, under Advanced settings. Prices are read from each provider's own pricing page and the date of that reading is shown next to the model; when it gets old, the page says so instead of presenting an old number as current. Everything stays in US dollars, because that is the currency the invoice arrives in.

One thing these calculators do that almost nothing else does: they count the pictures. If you paste a screenshot into an AI chat, that screenshot is not free — a normal laptop screenshot costs more tokens than most people's entire question, and a phone screenshot costs more than twice that again. So on the cost calculator, the token counter, the agent calculator and the subscription comparison you can say how many images you attach and what kind, and the cost is added to your input. Here is the unusual part: this figure is exact, not an estimate. Everywhere else on these pages a token count outside OpenAI has to be shown as a range, because the exact count cannot be worked out in your browser. Images are the opposite — every provider publishes the formula, and it depends only on the size of the picture, not on what is in it. Where a provider publishes no formula, the page says so and refuses to guess. On the agent calculator it matters most: an agent that takes a screenshot at every step carries all the earlier ones forward, so one picture is paid for again on every remaining step. (This is the cost of sending a picture. Having an AI draw one is billed differently and is not what these figures cover.)

And the last one settles an argument a lot of people are having: subscription or API? Enter what the plan costs, how many people need it, and paste a typical conversation — you get both monthly figures side by side and, more usefully, the crossing point: how many more conversations a month it would take for the answer to flip. It is honest about two things. Seats matter, because a subscription is usually per person while an API key is shared, and that alone changes the answer for most teams. And it compares price, not features: a subscription buys an interface, apps, file uploads and image generation, while an API key buys tokens and nothing around them — so cheaper is not the same as right for you, and the page says so where you cannot miss it.

The token counter answers a different question again: how many tokens is this? Paste a prompt, a reply or a whole conversation — or upload a screenshot — and it counts, then shows what that same text costs on every model at once, cheapest first. The counts are worked out separately for each model rather than copied across, because a token is a property of the tokenizer rather than of your words: the same sentence comes to about 30% more tokens on the newest Claude models than on the previous ones. Which means the lowest price per million is not always the cheapest request, and the table is sorted by what your text actually costs.

And a sixth, which prices the opposite direction: having AI draw a picture. This one works differently from the rest, because image models are sold differently — not so much per token as per picture, at a price the provider fixes by the size and quality you ask for. That means nothing has to be estimated: the price of a generation is a number the provider prints. What the page adds is the number they do not print. Almost nobody generates one image and uses it; you generate three or four, look at them, and keep one — and the bill is for all of them. So "how many do you generate for each one you keep" is a field rather than a footnote, and the result shows plainly how much of your month is pictures nobody used. The other thing worth knowing before you budget: the widest price gap is not between companies, it is between two settings of the same model — high quality against low is about fifteen times, on the same picture. Every model that can do the job is priced side by side, cheapest first, and where a provider offers a cheaper queue for work that can wait, the page offers it too — only where that provider actually documents one. Claude does not appear, because it reads pictures and cannot make them.

The ROI calculator is for the person signing off the budget, and it never mentions tokens. It asks what an hour of the person costs, how long the task takes, how much of it the AI takes off, how often it happens and what the software costs — and answers with hours saved, money saved, return on spend, how long before it pays for itself, and how many tasks a month it takes to break even. It is honest about the one assumption everyone glosses over: saved time is only money if someone spends it on other work, so the result says so and shows what a more cautious view looks like. And it will tell you the AI is not worth it, when it is not. If you do not know what your AI costs, the other two calculators work it out and hand the figure straight over.

The agent calculator answers a different question, and corrects a common mistake. One task for an AI agent is not one API call: the agent thinks, uses a tool, reads the result and thinks again, and every one of those steps is a separate request that resends the whole conversation so far. That means a task's cost grows much faster than its number of steps — going from five steps to twenty costs about forty times more, not four. It prices per task, shows how much bigger the last step is than the first, and lists every assumption it used, so you can check the figure rather than take it on trust.

Every calculator works the same way: enter your numbers and the result appears instantly. Below it you get a clear breakdown (what each component contributes), a formula explanation (what the math actually does), and FAQ about the topic.

From the result panel you can:

• Download a PDF report — full breakdown formatted for printing or sharing.
• Save an instant screenshot — one tap, get a branded image of your result. Works on every device, perfect for sharing in chat or email.
• Save to History — keep the result tagged with a custom name so you can come back to it later. Comes with a history page that lists every result you've saved.
• Favorite the calculator — pin the ones you use often. They show up on your /favorites page in one click.
• Embed it on your own site — the </> button hands you a one-line snippet; see the widget section.
• Cite it — the quote-mark button gives a ready-made reference to the page in three formats: plain text for a paper or a document, HTML (already a link) for a blog post, and BibTeX for anyone writing in LaTeX. Author, title, this page's address and the date of access are filled in; press copy and paste. If a calculator helped an article, a thesis or a post, that reference is how readers find their way back to it.
• Compare scenarios side by side — change inputs, save scenario A, change inputs again, save scenario B; the Scenario Compare panel shows both with deltas highlighted. Pro users get unlimited comparisons; free users get three lifetime saves.
• Ask the AI about your specific numbers — see the AI section below.

One calculator works differently: Split Expenses. Dividing rent and bills is the one question you cannot answer alone, so instead of a share button it has a shareable link. You enter the shared costs, choose whether to split evenly or in proportion to income, and press Create shareable link. Paste that link into your group chat and everyone who opens it sees the same numbers and can add their own income or a missing expense — no account on either side, on any device. Changes save automatically for everyone holding the link, and the link expires 90 days after the last edit. Alongside what each person owes, the calculator shows what each person has left over afterwards, which is usually the number that settles the argument.

Trackers — long-running journals that remember

Trading Journal — /trading-journal

A unified journal that covers every asset class a serious trader works with: crypto, forex, stock, futures, options, swing, and scalp trades. (Sports betting lives in its own sub-section using the same engine.) One workspace, one analytics layer, one database — no need for a separate tool per asset type.

Tabbed workspace:

• Trades — the full ledger. Filter by symbol, side, account, strategy, status. Sticky filters, sticky headers, type-coloured rows.
• Dashboard — six sections behind one set of filters (period, account, strategy, asset type, style):
  • Overview — the AI's reading of your journal in a sentence, then the equity curve, win/loss donut, win rate, profit factor, max drawdown, average win/loss, R-multiple, expectancy, longest streaks, Kelly criterion.
  • Timing — P&L by weekday, by month of the year and by the hour you entered.
  • Risk & exits — the underwater curve (how deep and for how long you were below your peak), the distribution of results in R, time in position, and exit quality: how much of the best available move you actually captured, what the rest was worth, and how many winners you cut before half of it.
  • Discipline — see below.
  • Breakdown — P&L per strategy, ticker, asset class, style and tag.
  • Compare — the same period one window earlier, side by side. If the period you picked has no trades but the journal does, it widens the window once and tells you — no empty screen.
• Calendar — every trading day as something you can open: a month grid coloured by the day's P&L, and beside it that day's numbers, its trades, and a note you write yourself with an optional mood tag.
• Discipline — switch on the lines you have decided not to cross (max risk per trade, always have a stop, minimum planned reward:risk, max trades per day, daily loss limit, checklist used) and the journal grades your whole history against them: one score, each rule's compliance month by month, and the most recent breaks with a link straight to the trade. Above it sits your trader portrait — edge, consistency, exits, sizing and discipline on five axes. A rule the journal cannot judge is never counted as broken.
• Setup — your trading rule book. Your rules, strategies library with abbreviations, ticker registry (with point-value for futures), pre-trade checklist, profit goals by month, and a one-click share link to publish your stats to a public profile.
• Shared journal — a second journal kept together with somebody else: a mentor who reviews your trades, a partner you trade an account with. You invite by email and set each person's role (administrator, editor, or a viewer who sees every trade, chart and the export but changes nothing — the mentor's seat, which never needs Pro). It has its own trades, accounts, strategies and tickers; your personal journal stays private and is never mixed in. Goals, rules, the checklist, day notes and the public profile link stay personal. Writing into a shared journal needs your own Pro; being invited costs nothing; a lapsed Pro keeps reading and exporting.
• Accounts — manage multiple accounts (live, demo, prop firm) with starting balance, deposits, withdrawals, and per-account analytics.

Add a trade with the Quick Add popover from anywhere, import broker statements (CSV/MT4 — free, up to 100 trades to bring your history in; Pro removes the cap), upload a screenshot or photo of your trade for AI extraction (Pro), or ask the floating AI Assistant to auto-fill the form in real-time. The full editor supports partial entries / exits, risk amount, MAE / MFE, market regime, emotional state, mistakes, screenshots, tags. The journal records far more than most: it's built to find the patterns behind the numbers, not just record them. Deleting a trade is reversible — it goes to the Trash (the bin icon in the tracker header) where you can restore it or delete it permanently, so nothing is lost by accident.

The Trading Journal also features a bidirectional integration with CalculatorAI's calculator engine: the dashboard includes forward links to Compound Interest and Risk/Reward planners based on actual account balances, the trade form links to Risk/Reward and Options Profit calculators to automatically apply sizing parameters back into the form, and the trade details page dynamically suggests Capital Gains Tax, Stock Profit, or Crypto PnL calculators with prefilled transaction context to simulate scenarios or calculate taxes.

When you have no trades yet (anonymous, or fresh account), the journal opens in demo mode with a 15-trade fixture so you can see the full UI before committing.

Invoices Tracker — /invoices

A bookkeeping tracker for invoices you've issued (not to be confused with the Invoice Generator below, which creates them). The focus is on collections and cash flow:

• Dashboard KPIs — total billed, total paid, total outstanding, collections rate, overdue exposure, average days to pay (DSO).
• Status breakdown — paid / sent / draft, with overdue flagged.
• Interactive Payment Calendar — every due date plotted on a month grid. Click a day to see which invoices are due. Coloured by status so you can spot trouble at a glance.
• Calendar tab — the whole month with the documents written into the days: issued in blue, due in amber, overdue in red, paid in green; the panel beside it lists everything still to be paid, overdue first, then the next thirty days. A row opens the document.
• Forward cash-flow projection — three months of expected revenue based on outstanding sent invoices.
• Six-month trend chart — billed vs paid, month by month.
• Late payment recovery workflows — when an invoice goes overdue, the AI helps you draft a polite follow-up email with the right tone for the situation.
• Unified Import (Smart AI Scan & CSV) — drag and drop a photo, screenshot, or PDF of a billing document, and the AI OCR will read, parse, and draft a new invoice directly in the tracker. Also supports bulk CSV file uploads.
• Shared invoices tracker — a second set of documents kept together with somebody else: partners who bill under one company name, a small team, or an accountant who needs to see what was sent and paid. You invite by email and set each person's role (administrator, editor, or a viewer who sees every document and client, opens the PDFs and the export, but changes nothing — the bookkeeper's seat, which never needs Pro). It has its own invoices, quotes and receipts, its own client book, dashboard and payment calendar; your personal documents stay private and are never mixed in. Documents somebody else saved carry their name. Writing into a shared tracker needs your own Pro; being invited costs nothing; a lapsed Pro keeps reading and exporting.

Demo mode for anonymous viewers shows a richer 8-invoice fixture across paid, sent, draft, and overdue states.

Portfolio Tracker — /portfolio-tracker

A position-level tracker for what you own — stocks, ETFs, crypto and anything you want to track by hand. Where the Trading Journal records individual trades, the Portfolio Tracker holds your standing positions and shows what they're worth right now.

• Holdings list — symbol, type, quantity, average cost, current price, market value, gain/loss in dollars and percent, and each position's share of the portfolio.
• Live prices — stocks and ETFs price from a real-time feed; crypto from a free market feed; and indices and commodities (S&P 500, gold, silver, oil…) from a market-data feed. Prices are cached server-side so the page stays fast. Can't get a quote for something private or illiquid? Set a manual price and it takes over.
• Overview — total value, total invested, and total unrealized gain/loss up top, plus an allocation donut so you can see concentration at a glance.
• Multi-currency — record each trade in the currency you actually paid in; the tracker locks in that day's exchange rate so your cost basis is right even across currencies, and re-displays the whole portfolio in whichever currency you choose.
• Annualized return (XIRR) — beyond a simple gain %, the Overview shows the money-weighted annualized return, which accounts for when you put money in and took it out — the fair way to compare positions held for different lengths of time.
• Bonds, loans and private notes — a fixed-income position type for money you have lent rather than invested: the amount, the interest rate, how often it pays, and the date the principal comes back. It needs no price feed, because a loan is worth the principal still outstanding. The tracker reminds you on the day an interest payment is due and again on the day the loan matures, and each payment received goes into the same income log as your dividends. Mark it repaid and the position leaves your totals while its payment history stays.
• Watchlist — track tickers you don't own yet with the same live prices, without them counting toward your totals.
• Price alerts — set a target on any holding or watched symbol and get a push + in-app notification the moment the price crosses it.
• Benchmark comparison — overlay the S&P 500, Nasdaq, Bitcoin or Gold on your value chart to see, at a glance, whether you're beating the market.
• Tax report — turn your sells into a realized-gains report with proper lot accounting (FIFO / LIFO / HIFO), short- vs long-term split, a per-year summary and a CSV export for your accountant.
• Dividend forecast & calendar — from your payment log the tracker estimates your forward annual income and lays out a month-by-month calendar of upcoming payments.
• Asset detail — click any holding for a 1-year price chart with your average-cost line, plus fundamentals (market cap, P/E, dividend yield, 52-week range).
• Wallet sync — paste a public wallet address (Ethereum and ~20 EVM chains, plus Solana, Bitcoin, Tron, Aptos, Sui, Stellar, Litecoin, Dogecoin and Starknet) and your tokens are pulled in automatically — read-only, no connection or signing, spam filtered.
• Exchange sync — connect a read-only API key from Binance, Bybit, OKX, KuCoin, Kraken or Coinbase and your spot balances are pulled in automatically. Use a key with trading and withdrawals turned off; it's stored encrypted and only ever reads your balances.
• Share — publish a public, read-only link to your portfolio showing only the figures you choose (and optionally with the numbers hidden), with a one-click revoke. Made for newsletters, threads and showing your returns.
• Shared portfolio — a separate portfolio that two or more people own and maintain together: joint assets for a couple, two business partners, or a family. You invite by email and set each person's role (administrator, editor, or a viewer who sees and exports but changes nothing) and their percentage of the assets. Personal portfolios stay private on both sides and are never summed together with the shared one — the percentage is what decides how much of a joint asset counts toward each person's own net worth. Every row records who entered it, everything stays in the space if somebody leaves, and any member can export the whole thing at any time. A wallet or exchange connected while a shared portfolio is open feeds its balances there, while the address or API key itself stays private to whoever connected it. A single tick-box, off by default, folds your percentage of the space into your own net worth — your share only, never the whole thing. Creating and editing a shared portfolio needs Pro; viewing and exporting it never does. Each member's own subscription decides whether they can write; there is no buying a seat for somebody else.
• Convert — swapped one asset for another (ETH into USDT, ETH into BTC)? Enter it once: what left, what arrived, and the tracker works out what the new holding cost you, because the sale proceeds are its cost. It records the sale and the purchase together, so nothing has to be remembered and typed twice.
• Import — bulk-add positions from a CSV file (free, up to 100 rows — enough to bring your history in; Pro removes the cap) or from a brokerage/exchange screenshot read by AI (Pro), reviewed in an editable table before anything is saved.
• Export CSV — download your whole portfolio with cost basis and live figures, free on any tier.
• Calculator Integration — a two-way sync:
  • Forward link: The Dividends and Tax tabs link directly to passive income and capital gains calculators pre-populated with your real portfolio holdings, yields, and transaction data.
  • Reverse funnel: Results pages of major stock, crypto, dividend, staking, and options calculators feature a "Save to Portfolio" button to instantly record simulated trades back into your active portfolio.
• Trash — deleting a holding is reversible; it moves to a Trash bin where you can restore it or delete it permanently.

The free tier tracks up to 10 holdings at once (deleting one frees a slot); Pro removes the cap. CSV export of your own holdings is always free. Anonymous visitors see a sample portfolio in demo mode.

Habit Tracker — /habit-tracker

A lightweight routine tracker for everyday consistency — simple enough to use daily, structured enough to reveal patterns over time.

• Today — see every active habit and check in the last seven days without opening a spreadsheet.
• Habits — manage each routine's name, note, cadence, weekly target, icon and colour.
• Insights — weekly completion rate, streak signals and the habits carrying the week.
• AI habit coach (Pro) — a chat that knows your habits and streaks, celebrates wins, flags what's slipping and suggests small next steps to keep the routine going.

The free tier tracks up to 7 active habits and includes check-ins, streaks and insights; Pro removes the habit cap and adds the AI habit coach. Anonymous visitors see a demo routine set before signing up.

QR Codes Tracker — /qr-codes

The management side of the QR Code generator. Static codes are one-and-done downloads, but dynamic codes route through a short link you own — so they can be edited and measured after printing. This tracker is where those dynamic codes live.

• Codes list — every dynamic code with its name, short scan link (one tap to copy), current destination, live scan count, and a password badge when protected.
• Edit destination — repoint any code to a new URL in place; the printed pattern keeps working, it just forwards somewhere new.
• Pause / resume — temporarily stop a code from redirecting without deleting it; delete retires it (recoverable first).
• Scan analytics — headline totals (total scans, active codes), a 30-day scan trend chart, and breakdowns by country, device and browser.
• Frames with a call to action — 17 print-ready designs (bar, sticker, badge, speech bubble, corner brackets, ribbon, ticket, phone and more) with your own caption; part of the PNG and the vector SVG, and never drawn over the code or its quiet zone.
• No metering on Pro — unlimited dynamic codes, unlimited scans, unlimited destination changes. Paid QR platforms tie the number of codes to a plan tier; this one does not.
• Your own short-link domain (Pro) — point a domain you own at the redirect, so printed codes read qr.yourcompany.com/AbC123 instead of ours. One DNS record; new codes are created on it automatically, and codes already printed keep the hostname they were printed with. Your domain serves only your short links.
• Folders, tags and campaign parameters (Pro) — file a code into a folder, tag it across folders, and attach utm_* parameters that are added to the destination at scan time, so a scan shows up in your own analytics as its own source instead of as direct traffic.
• Shared QR tracker — a second set of codes kept together with other people: the colleague who prints, the agency that runs the campaign. It has its own codes, folders and scan analytics, and a switcher says which set you are looking at; your personal codes are never mixed in and stay invisible to the people you share with. Invite by email and set each person's role (administrator, editor, or a viewer who sees, downloads and exports but changes nothing); codes somebody else made carry their name; what a person created stays if they leave, and every printed code keeps working. Creating and changing needs your own Pro — being invited never does, and export is free for everyone, always. Branded short domains stay personal: a shared code uses the site's own short link.
• Privacy-first — scans record only coarse location (country/city) and device class; the raw IP is never stored, only an irreversible fingerprint.

The free tier includes one active dynamic code so you can try the full loop (editable destination + analytics); Pro removes the limit. The generator itself (static codes, colours, shapes, logo, PNG/SVG export) is free and needs no account.

Income & Expense Tracker — /expenses

A personal money tracker for income and spending — where your money actually goes, month over month. Every transaction has an amount, category, merchant, date and optional recurrence; the dashboard turns them into cash flow at a glance. The add form remembers the merchants and descriptions you enter most and offers them as one-tap chips, and every day in the transactions list shows its total — green when more came in than went out, red otherwise.

• Dashboard — income / spent / net hero, a cumulative income-vs-spending chart, and analytics: spending-by-category donut, monthly bars, top merchants and a budget summary. Every chart is a way in: hover a category for its latest transactions, click any slice, month or merchant to see every transaction behind the number — with how it compares to last month, and the category's budget. Everything converts to your globally selected display currency at live FX, so a mixed-currency ledger reads as one coherent picture.
• Accounts — cash, cards and bank accounts, each with an opening balance and a live balance (opening + income − expense); transfers between accounts (cross-currency aware) that move money without counting as income or expense; a total across accounts converted to your display currency.
• Budgets — a monthly cap per category with live progress; built-in categories plus your own, each with an icon you pick, named and budgeted in one step.
• Subscriptions — recurring income and expenses (weekly / monthly / yearly) auto-materialise their due occurrences, so what repeats stays up to date.
• Calendar — the ledger drawn as a month, the way a desktop calendar draws one: every day a box with its transactions and its net inside, and the subscriptions due ahead on the days they will be charged. Tap a day for its rows, totals, and an add button already dated that day. It is also where you write your own dated lines — "pay the rent, 14:00, $1,200", "client visit 11:30, pays $80" — with a time and an amount, a note, a checkbox, and a morning notification on the day. What you write here shows on the workspace calendar as well; nothing from other trackers is pulled in. On a phone it becomes the compact grid a calendar app draws, and the month changes with a sideways swipe.
• Import — one button, three sources: a bank/card statement PDF (any bank, any language — the AI reads every transaction, and even reads digitally-signed statements), a receipt photo (AI extracts total, date and category), or a CSV with AI column mapping.
• AI — a Pro tab that reads your ledger and writes back what's working, watch-outs, patterns and concrete ways to save. It opens on the last analysis and tells you when your ledger has moved since; generating a new one is always your click.
• Shared wallet — a second ledger kept together with somebody else: a partner, a flatmate, a business associate. It has its own transactions, wallets and budgets, and a switcher beside the title says which ledger you are looking at. Your personal ledger is never mixed into it and stays invisible to the people you share with. You invite by email and set each person's role (administrator, editor, or a viewer who sees and exports but changes nothing); rows somebody else entered carry their name; what a person recorded stays in the wallet if they leave. Creating and writing needs your own Pro — being invited never does, and export is free for everyone, always. Recurring transactions stay personal: nothing is created automatically inside a wallet two people share.

It's bidirectionally linked with the calculators (Budget 50/30/20, Subscription Audit, Tip / Bill Split, Cost of Living and more) — send a result into the tracker, or open a calculator prefilled from your data. Free users can log up to 50 transactions; scan, PDF import and AI insights are Pro. Existing data always stays visible.

Budget Tracker — /budget-tracker

A personal budget planner designed to give you clarity and control over your monthly cash flow, combining zero-based budgeting with 50/30/20 rule allocation.

• Dashboard — overview of monthly performance including a breakdown of Needs, Wants, and Savings & Debt, plus scheduled items, next due bill, and recent budget entries.

• Monthly Planner — zero-based budget planning where you assign every dollar a job before the month starts, tracking planned income vs planned outflows.

• Categories Manager — set up custom budget categories and assign target limits, grouped under Needs, Wants, Savings/Debt, or Income.

• Calendar Panel — visualize upcoming income and due bills on a calendar grid to manage cash flow timing and prevent overdrafts.

• 50/30/20 & Zero-Based Analysis — interactive charts showing actual spending ratio comparisons, cash flow runways, and monthly trends.

• Multi-currency & Live FX — plan and track transactions in original currencies with automated real-time FX conversion.

• Recurring lines that behave like recurring lines — mark rent or a salary as monthly and it gets its own row in each month, so you can record what actually happened in August without touching September, and next month is already waiting for you.

• Actuals fill themselves in — anything you record in the Expenses Tracker lands against the matching budget category on its own. You write the plan; the spending arrives by itself. A figure you type yourself is yours and never gets overwritten.

• Rollover — what you didn't spend last month is available this month, per category and overall; what you overspent follows you too. Turn it off if you'd rather each month start clean.

• Start from last month — a new month opens with an offer to copy the previous plan instead of a blank page.

• Import an existing budget — upload a screenshot of your spreadsheet, an export from another budgeting app, a bank statement, or a photo of a budget written on paper. Every line is read out, sorted into Needs / Wants / Savings & Debt / Income, and shown to you for review before anything is saved. Works in any language, from an image or a PDF. Pro.

• Send a line to Expenses — once a planned payment has actually happened, hand it to the Expenses ledger in one click. It opens the Expenses add form prefilled, in the line's own currency, for you to confirm — nothing is created behind your back.

• Family budget — a second budget kept together with a partner: the same categories and lines for both of you, one currency, one method, month by month. You invite by email and set each person's role (administrator, editor, or a viewer who sees every month and the export but changes nothing — no Pro needed). Your personal budget stays private and is never mixed in; lines somebody else added carry their name. Inside a family budget actuals are typed or imported, never filled from anyone's private expense ledger. Writing into it needs your own Pro; being invited costs nothing.

Your budget is part of what the assistant knows about you: it can answer "am I over on wants this month?", it flags a group that has run past its plan or income you haven't given a job to yet, it appears on your Workspace dashboard, and it gets a line in the weekly email summary.

The free tier allows tracking up to 8 monthly budget items and 10 custom categories; Pro removes the caps, unlocks budget import and AI budget copilot insights. CSV export is free on every plan, and existing data always stays visible.

Rental Income Tracker — /rental-income

The landlord's books: track every rental property, the rent it earns and the money it costs to run, with investor metrics calculated for you.

• Properties — a card per unit with its rent, mortgage, purchase price and current value, tenant and lease dates, plus a per-property cash flow, cap rate and a lease countdown that warns you before a renewal is due.
• Transactions — a rent-and-expense ledger tied to each property. Income (rent, deposits, late fees) and expenses (mortgage, taxes, insurance, repairs, management, HOA, utilities) are categorised so tax time is a one-click CSV export.
• Dashboard — portfolio-wide net cash flow over the last 12 months, monthly income-vs-expense chart, occupancy rate, rent roll, portfolio value, blended cap rate and a where-the-money-goes breakdown.

Every metric — cash flow, net operating income, cap rate, occupancy — is derived from what you log, never typed in. Free users can track up to 2 properties with unlimited transactions, all metrics and CSV export; Pro removes the property cap and adds AI portfolio insights.

• Shared rental books — a second set of books for a property you own with somebody else: a co-owner, a partner, the manager who collects the rent. Its own properties, transactions, calendar feeds, documents and mileage; a switcher says which books you are looking at, and your personal properties are never mixed in or shown to the people you share with. Invite by email and set each person's role (administrator decides which properties the books hold; editor logs rent, expenses and bookings; viewer sees, downloads and exports but changes nothing). Rows somebody else entered carry their name; automatic rent keeps posting; the annual profit goal stays personal; shared property is never folded into your personal net worth. Writing needs your own Pro — being invited never does, and export is free for everyone, always.

Debt Payoff Tracker — /debt-payoff-tracker

Every balance you owe in one place, with a real debt-free date instead of a guess.

• Overview — total owed, the month you become debt-free, the interest the plan will cost, and how much of the original pile you've already cleared. A balance curve runs to zero with a marker on the month each individual debt dies.
• Debts — a row per balance: card, student loan, car loan, medical bill, mortgage, money borrowed from family. Rate, minimum payment, due day, the creditor who actually holds it, and the currency it is in.
• Plan — pick avalanche, snowball or your own order and see all three costed on the same money: the debt-free date and total interest for each, so the choice between "cheapest" and "most motivating" is a number rather than an argument. Set an extra monthly payment and the tracker tells you how many months and how much interest it buys — and set a different amount for a single month when a bonus or an expensive month makes the usual figure wrong. The month-by-month schedule can be read for the whole plan or for one debt on its own.
• Payments — log what you actually pay; balances update, and the part above the minimum is tracked separately because that's the part that shortens the plan. Above the log sits plan versus actual for any month you pick: what the plan asked for, what you paid, the gap, and the same split debt by debt — so a projection becomes something you can be held to. Any logged payment can be sent to the Expenses Tracker as a prefilled entry, since a debt payment is money leaving your account like any other.

Beyond the plan itself: what-if scenarios let you test a one-off payment, a balance transfer (fee included, because that's what decides it) or a consolidation loan against your real numbers without saving anything; photograph a statement and the balance, rate, minimum and due date fill themselves in; an AI debt coach answers questions against your actual balances and plan; and everything exports to CSV free, on every tier. The assistant also warns you when a payment is due in the next few days — or when your payments no longer cover the interest and the balance has started growing.

• Family debts — a second set of debts kept together with a partner: a mortgage or a car loan you both pay, one plan for both. You invite by email and set each person's role (administrator, editor, or a viewer who sees every debt, payment and the projection but changes nothing — no Pro needed). Payments always land on the debt they were logged against, whoever typed them, and carry that person's name. Your personal debts stay private and are never mixed in.

Debts can be held in different currencies: each row shows the currency you entered it in, while every total and the simulation itself convert into the currency you are viewing in, at current rates. That is not cosmetic — the simulation pays balances down against one shared budget, so mixing currencies raw would produce a debt-free date that is not real. The projection is a month-by-month simulation with rolling payments — when a debt is cleared its minimum joins the attack on the next one. If the budget doesn't even cover the interest, the tracker says so instead of projecting a date that will never arrive. Free users can track up to 3 debts with the full simulator, all three strategies and unlimited payment logging; Pro removes the debt cap.

Business P&L Tracker — /profit-loss-tracker

The income statement of a small business, kept live — for a freelancer, an Etsy shop, an agency, a creator or a café. One tracker for every kind of business: the business type you pick only decides which categories come first and whether products and channels are shown; the maths is the same for everyone.

• Analytics — seven views over one set of filters (period, what to compare with, channel, category, product, customer; a click on any slice narrows every view). Overview: the P&L cascade with changes, revenue/costs/profit over time, rule-based insights, goal rings for revenue, profit and a monthly spending limit. Trends: by week, month or quarter; where each unit of revenue went as stacked bars; the margin line; plan vs actual against one twelfth of the annual goal; this year vs last; cumulative profit. Structure: the waterfall from revenue to what you keep, donuts by channel and category, fees by channel, advertising return (ROAS). Products: revenue, units and profit per product — fees kept on its sales and its cost of goods included. Customers: top customers, new vs returning, concentration, gone quiet. Taxes: sales tax collected, paid and to remit; the income-tax reserve; four fiscal quarters with due dates; deductible spend by category; the whole year exported as one CSV. Forecast: a run-rate projection with growth sliders, five years, scenarios and runway.
• Accounts — where the money is right now: bank and savings accounts, cash and each shop's till, payment-processor and marketplace balances, e-wallets, business credit cards and credit lines (shown as money owed, with the limit left). Every line is filed under an account — picked from its channel, so a sale in shop #2 lands on that shop's till — and the balances follow by themselves. Transfers between accounts (with a fee booked as a cost), the owner's money in and out, loans and a reconciliation to the real balance are recorded without touching the P&L. Every outgoing move has an All button; the forecast's runway reads the money held.
• Calendar — the month as a grid: sales and costs by day, recurring lines projected ahead, estimated-tax deadlines, the goal deadline, and your own events with a time and an amount that can be recorded on the books in one tap.
• Transactions — every line on the books: income, cost of goods, or an operating expense, with a category, a channel, a product and quantity, the customer or vendor, the currency, a separate tax amount — sales tax is never folded into revenue — and, on a sale, the fees kept by the marketplace. A line can repeat weekly, monthly or yearly and creates its next occurrence by itself. Filter by period, kind, channel and category; search; select many and delete at once; swipe on a phone. Any line can be sent to the Expenses Tracker as a prefilled entry.
• P&L report — the cascade an accountant reads: gross revenue, refunds, net revenue, cost of goods by category, gross profit and margin, operating expenses by category, operating profit and margin, the tax reserve and what is left — for any period beside the period before it, with the change on every line, and the sales tax position underneath. Unit economics per product from the price and cost you set. Exports as CSV.
• Setup — business name and type, reporting currency and fiscal-year start; the sales-tax rate that pre-fills every sale and the share of profit to reserve for income tax; annual revenue and profit goals with pace and run-rate, a monthly spending limit and the estimated-tax reminder that puts four due dates on the calendar; every recurring series with its next date; and the catalogues — sales channels (with a platform fee and the real logo of a known marketplace or of any website you type), products and services (SKU, unit price, unit cost, unit margin; not tied to a channel — every sale names both; a whole Shopify or Etsy catalogue comes in through Import CSV), your own categories (built-ins can be hidden), and a directory of vendors and people — platforms, suppliers, the team — with a usual category, a note and a logo, offered on every line.

Lines get onto the books four ways: typed in, photographed (a receipt, a supplier invoice or a payout screenshot read by AI into a prefilled form), imported from an Etsy / Shopify / Stripe / PayPal / bank CSV with the columns matched from the headers and channels and products created from the file, or booked from paid invoices in the Invoices Tracker in one click — each invoice once. An AI business coach answers questions against the same numbers the page shows. Every line is stored in its own currency; totals convert into the currency you are viewing in.

• Shared books — a second set of books kept with a business partner or an accountant. Editors add lines, an administrator sets the business settings, a viewer sees and exports everything and changes nothing — no Pro needed to look. Every line carries the name of who added it; your personal books stay private and are never mixed in.

A new account opens on an example candle shop with eight months of books, which disappears by itself the moment you add your own first line. Free users keep up to 60 transactions with the full report, margins, channels, products, goals, CSV import and export and invoice booking; Pro removes the cap and adds document scanning, the coach and shared books.

Subscription Tracker — /subscription-tracker

Every service you pay for on a schedule — streaming, music, software, AI tools, cloud storage, games, news, the gym, insurance, a phone plan — in one list, with what each costs, how often it charges, when it charges next, and whether it is worth keeping.

• Overview — what you pay per month and per year (weekly, quarterly and yearly plans brought to one figure), what charges in the next thirty days, the trials about to convert, everything you rated "should cancel" with its yearly cost, two services doing the same job in one category, the prices that changed this year, where the money goes by category, what was actually charged month by month, and a "could save per year" figure built from your own ratings.
• Subscriptions — the list, with each service's real logo. Filter by status, category and cycle; sort by next charge, price or "least useful first"; pause, resume, mark cancelled; open the service's cancel page in one click; send a charge to the Expenses Tracker as a prefilled entry. Each row carries the plan, how it is paid, a per-subscription reminder lead time, your rating and notes.
• Calendar — charges by day: past days from the charge log, future days projected from each schedule, with the month's total and what is still to come.
• Setup — the currency totals are shown in, how many days before a charge (and before a trial converts) the reminder fires, an optional monthly cap, and the two ways to bring subscriptions in: a CSV of any shape, or the recurring lines already in your Expenses ledger.

The tracker keeps a charge log itself: each time a subscription's charge date passes, the charge is recorded at the current price and the date moves forward one cycle, so a monthly plan charged on the 31st still charges on the 28th in February — and a price you edit is remembered as a price change. A free trial is a first-class thing: it shows as a trial until its end date, you get a reminder before it converts, and on the day it becomes an ordinary charge. Every subscription is stored in its own currency; totals convert into the currency you are viewing in. Export of everything — every field and every charge — is free on every plan.

• Household book — a subscription list kept with a family, flatmates or a small team. Editors add services, an administrator sets the preferences, a viewer sees everything and changes nothing — no Pro needed to look. Your personal list stays private and is never mixed in.

An AI audit on Pro reads the same figures the page shows and answers "what should I cancel first, and what does that save a year", "which trial converts next", "what went up in price" — and can fill the add form from a sentence. A new account opens on an example list of fourteen services (a trial ending in five days, one price rise, a paused gym, a cancelled service kept as history), which disappears the moment you add your own first one. Free users keep up to 5 subscriptions with totals, the calendar, reminders, price history and CSV import and export; Pro removes the cap and adds the audit and the household book.

Bill Tracker — /bill-tracker

Every bill you have to pay by a date — rent or the mortgage, electricity, water, internet, the phone, insurance, a car loan, a credit-card payment, property tax — in one list, with when each is due, whether it is paid, and what is late. A bill stays unpaid until you mark it paid: a due date that passes with nothing paid stays red as overdue, with the late fee at stake, until you pay it. Bills on autopay mark themselves paid on their due date.

• This month — what is left to pay (overdue from earlier months included), what is already paid, income minus bills when your pay is set, and a checklist in the order you act on it: overdue, due this week, later this month. One tap marks a bill paid with the real amount and date. Paid only part? Record a part payment and the rest stays due. Nothing to pay this time (waived, a free month)? Skip the period. A paid one can be corrected, un-paid, or sent to the Expenses Tracker, and each bill keeps its full payment history.
• By paycheck — tell it how often you are paid and every bill lands under the paycheck that has to cover it, with what is left over (or short).
• Analytics — what you actually paid month by month, where the money goes by category, bills that change (electricity, water, a card) month by month, the biggest bills, and how often you paid late.
• Bills — the list with logos, filters by status, category and frequency, pause and resume. Calendar — every due date on a month grid, paid green, overdue red. Setup — currency, reminders, the pay schedule, CSV import.
• Connected to your other tools — a loan, car or mortgage calculator adds its monthly payment as a bill (and the bill reopens the calculator with the same numbers); the paycheck calculator fills the pay schedule; repeating expenses and debt minimums import from the Expenses and Debt Payoff trackers. A bill that pays a debt lowers that debt's balance when you mark it paid, and a payment you log in the Debt tracker can mark the bill paid — never counted twice. When a linked debt's minimum changes, the debt is paid off, or your Expenses show a new amount, the tracker offers the update — you decide. The Budget Tracker can pull the month's bills in as plan lines, and a bill that is also in your Subscription Tracker is flagged so the charge is not kept twice.
• The assistant knows your bills — what is left, what is late, which paycheck covers what — and can fill the forms for you ("add my electricity bill, about 120 on the 15th", "I paid the water bill, 66.10"); you confirm every change.

Bills that change are expected at the average of their last three payments. Due dates also appear on your workspace calendar and in the daily summary. Every bill keeps its own currency; totals convert into the one you are viewing in. Export of everything is free. A shared household book keeps bills with a partner or flatmates — everyone sees what is paid, your personal bills stay private. A new account opens on an example household that disappears the moment you add your own first bill. Free users keep up to 5 bills with everything above; Pro removes the cap and adds the shared book.

Shift & Hours Tracker — /shift-tracker

For anyone paid by the hour whose pay is harder than hours × rate — nurses on 12-hour nights, factory and warehouse crews on rotating shifts, hospitality and retail staff, people holding two or three part-time jobs. You describe each job once — the hourly rate, the extras for nights, weekends and holidays, the overtime rules that apply, the workweek, how often you are paid and when the money arrives — then log shifts (or set a rotation once), and every hour is priced under that job's rules.

• Next payday — what the current pay period should pay before it lands: the shifts you logged plus the ones your rotation still has scheduled, split the way a payslip splits it (base pay, differentials, overtime premium, gross), with hours, overtime, tips reported apart and the all-in hourly figure. This month does the same for the calendar month, with the last twelve weeks as bars.
• Overtime done the way US law does it — federal 40-hour weeks, California's daily, double-time and seventh-day rules, Alaska, Nevada, Colorado (including twelve consecutive hours) and the hospital 8/80 system, or your own thresholds — paid on the blended regular rate, with night and weekend differentials included, which is where most spreadsheets and apps come out short.
• Differentials by the minute — a percentage or a flat amount per hour for the part of a shift inside a window (19:00–07:00, weekends, holiday dates); several stack the way payroll stacks them. Short rest breaks are paid and meal breaks are not, unless you say otherwise; a night across a clock change is paid for the hours actually worked.
• Rotations and a calendar — 4-on-4-off, 2-2-3 Pitman, DuPont, Panama, Continental, 5-2 or your own cycle up to 56 days, on a month grid and in the forecast; a logged shift always replaces the planned one.
• Payslip check — type the gross on your payslip and see what your logged shifts should have paid beside it, line by line, with the difference and the usual causes (a missing shift, overtime on the base rate, a differential left out).

Instead of typing times you can clock in and out: start a timer when the shift begins (on any device — it runs on our side, so a phone can start it and a laptop stop it), pause it for breaks, watch roughly what the shift has earned so far, and stop it to get the shift form filled in for you to check and save. Push reminders come before a shift (30 minutes to 12 hours ahead, rotation days included) and the day before payday with what it should bring, and an early overtime warning names the shift that will take your week past its overtime threshold — on the Overview, and as a push the evening before. Each job keeps its own currency; totals convert into the one you are viewing in. Import a shift log from a spreadsheet or time-clock CSV; export everything — every job's rules and every shift with its hours and pay — on every plan. The tracker itself is free and unlimited (any number of jobs, the whole history, every ruleset, the payslip check, the timer and reminders), and the AI assistant fills the shift form from one sentence ("I worked 7 pm to 7 am last night") for you to save; Pro adds Import from a photo — a roster screenshot, a photo of the rota or a PDF read by AI into shifts you check in a review sheet before saving — and a shared shift book for a couple planning around two rotas or a small team. A new account opens on an example nurse's night rotation and a weekend café job, which disappear the moment you add your own. It is an estimate of gross pay, not payroll or legal advice: it does not work out tax or take-home pay yet, has no geofence or automatic clock-in (the timer starts only when you press it), does not sync with Google, Apple or Outlook calendars, does not connect to scheduling apps (a screenshot of one can be imported), and builds in US overtime rules only — elsewhere you enter your contract's thresholds, and the assistant helps set them up for your country. Methodology in the shift tracker handbook; a comparison with spreadsheets and shift apps at best shift tracker.

Mileage Tracker — /mileage-tracker

For anyone who drives for work and needs a proper record of it — rideshare and delivery drivers, real-estate agents, photographers, tradespeople, home-care workers, consultants, employees paid per mile or kilometre, and anyone a tax office has asked for a mileage log. You describe each vehicle once — which country's published rate it follows, or rules of your own — and log trips, save the routes you drive again and add an odometer reading now and then. A trip stores only what happened (date, from, to, distance, type, purpose); what it is worth is worked out from the rules, at the rate in force on the day you drove.

• The rate on the trip's own date — when a rate changes mid-year (the IRS went from 72.5¢ to 76¢ a mile on 1 July 2026), trips before and after are priced separately; a trip after the latest published rate is marked as an estimate.
• Seven countries built in, and any other — the IRS (business, medical and military moving, charity; parking and tolls on top), HMRC's mileage allowance with its 10,000-mile step, Canada's CRA allowance with its 5,000 km step, Australia's cents per kilometre capped at 5,000 km a car, Germany's business and commute rates (the commute one way, once a day), France's barème and Spain's allowance — each with its own tax year. Anywhere else, your own rate in your own unit and currency.
• Everything is a setting — any country's rules can be copied and changed (the rate per trip type, the steps, the first day of the tax year, what counts on top), trip types can be renamed or added (a delivery run, a site visit), and you say how you drive for work: self-employed, employee, both, or just a log with no money at all. The words follow the law — the Canadian and Spanish rates are always shown as a tax-free allowance from an employer, never as a deduction.
• A log that holds up — trips with no business purpose or destination, duplicates, future dates and odometer readings that disagree with the distance are flagged before anyone asks; two odometer readings a year give the total driven and the business share.
• Regular routes without GPS — save the office or a client once, log it with a tap, and give it the weekdays it repeats on: the tracker asks about the days you drove it and logged nothing.
• Employer reimbursement — if you are paid per mile, see what you were paid against the official rate.
• Claims approved by email — send an employer claim to your manager: they open a private link without an account, see every trip and the total, and approve it, send it back with a reason, or mark it paid — which marks those trips as paid back in your log. You see the answer in the tracker and by email.

Trips go on from there: the Send menu turns selected trips into an invoice for a client, an expense report for an employer, parking and tolls into the Expenses tracker, or one line of travel cost in the Business P&L — each opening a filled form for you to check. A worked shift in the Shift & Hours Tracker can log the drive to it. Each vehicle's tax-year end (time for an odometer reading) and the regular-route days with nothing logged appear on the workspace calendar, the weekly email has a mileage line, a monthly email on the 1st sums up last month's trips with a button to that month's PDF report (only for months you drove, and you can switch it off), and a push the morning after a missed route day asks whether you drove. The whole log is free and unlimited — vehicles, trips, history, every country's rules, your own rates and trip types, CSV import and export — and the AI assistant fills the trip form from one sentence ("24 miles to the client yesterday, $12 parking") for you to save; Pro adds Import from a photo (a paper log, another app's trip list, a maps timeline or an odometer photo read into trips you review before saving) and a shared mileage log for a couple with a family car, a business with a driver, or you and your accountant. A new account opens on an example freelance photographer's year of trips, which disappears the moment you add your own. From and To are an address search, so the distance by road fills itself in once both are picked, and the map window shows the route. Export gives a PDF report for a tax office or an employer claim (with signature lines) as well as the full CSV; receipts for parking, tolls and fuel attach to a trip; saved places (home, the office, a client) come first in every address field; and each vehicle compares the standard rate with its actual costs (fuel, repairs, insurance… times the business share) for the year. It is a record and an estimate, not tax advice: GPS trip detection and a native phone app are not available yet (they are in development, with a mobile app planned), the tracker does not compute depreciation schedules, and in the US an employee can no longer deduct unreimbursed miles. Methodology in the mileage tracker handbook; a comparison with spreadsheets and mileage apps at best mileage tracker.

Loan & Mortgage Tracker — /loan-tracker

For anyone repaying a mortgage, a car loan or any other loan who wants to see it the way a good bank statement should show it. You describe the loan once the way the contract does — the amount, the rate, the term, how often you pay, how the payment is built and what is added to it — and the tracker builds the schedule and follows the payments you actually make.

• Real payments against the schedule — every payment is matched to its due date, even a few days early or late; with autopay on you log only what differs, with it off a missed payment is flagged and its interest keeps adding up.
• Extra payments: shorter term or lower payment — choose what your bank does with an overpayment and see the interest saved and the months cut, on your real balance.
• Any loan the way the contract says — the same payment every time, equal principal (a falling payment, common in Europe), or interest only; interest by a monthly rate, by actual days or with Canadian compounding; interest-only years, deferment and a balloon.
• Escrow, PMI and equity — property tax and home insurance by the year, mortgage insurance and HOA dues: principal & interest shown next to what rides along, the full payment and the housing cost a month (escrow never counts as debt); equity and loan-to-value, the date PMI must stop and when you can ask to remove it.
• Your rate vs the market — for a US-dollar mortgage, this week's Freddie Mac average for a 30- or 15-year fixed loan next to your rate, with a nudge to check a refinance when you pay well above it.
• When to pay an extra — whether the day you overpay matters for your loan (it does when interest is counted by the day) and how much each day or period of waiting costs.
• Variable rates, a planner and the true cost — every rate change, a what-if for paying more or a lump sum, a refinance check with the break-even, the true yearly cost including fees and the interest per calendar year.
• Your overpayment plan — save what you mean to pay on top (each month, or a bonus on a date); the payoff date everywhere follows the plan, kept apart from what you actually paid; pick a date and see the extra it takes to be done by then.
• Fixed rates that end, and rate rises — the date a fixed deal ends and the rate after it, a reminder ahead of it, and a stress test of what a rise would do to the payment.
• Tax, offers and which loan first — an estimate of the tax refund for Russian and US mortgages, up to three loan offers compared with their fees, and which of your loans an extra sum saves most on.
• Import and print — a payment history from your bank's CSV export (free) or a photo/PDF of a statement (Pro), and the schedule as a PDF laid out like the bank's.

Payments go on to the Expenses tracker with one click, and a joint mortgage can be kept in a shared space with a co-borrower. The whole tracker is free; export of everything is free on every plan.

Client & Project Tracker — /client-tracker

A CRM for people who work for clients — freelancers, consultants, small agencies, service businesses. It keeps clients (people and the companies they belong to), a deal pipeline with your own stages and a weighted forecast, projects with fixed, hourly or retainer budgets, tasks and milestones, hours with a running timer, and a timeline of notes, calls and e-mails. Money is never typed in: each client's card reads what they paid, what they owe and how fast they pay from your invoices, bookings and income on the site, and works out the real hourly rate a client earns you. Follow-ups land on the workspace calendar and in the morning summary.

Clients come in without typing: import from CSV, vCard or Google Contacts; an enquiry form for your own website turns each enquiry into a lead (or lands on the existing client's card); a personal forwarding address files the e-mails you Bcc or forward on the right client's timeline; and Scan a card (Pro) reads a business card or an e-mail signature into the new-client form. Work goes out the same way: contracts sent for an electronic signature (the text is frozen when sent, and the signature keeps its time, IP and browser as proof), a private client portal with the client's invoices, projects and open tasks, and hand-offs that open a filled invoice, quote, payment or trip for you to save. Everything is configurable — stages, statuses, project statuses, timeline kinds, custom fields — the whole tracker is free with no limits, and Pro adds a shared client book for a team and writing to clients from the tracker. It does not sync a Gmail or Outlook mailbox, send automated e-mail sequences, or take payments inside the portal. Methodology in the client tracker handbook; a comparison with spreadsheets and paid CRMs at best client tracker.

An Analytics tab shows where clients come from and what pays — by source, category, service and marketing campaign (cost per lead and return computed from the clients a campaign brought), for the last 12 months or any year. Clients' subscriptions and memberships give a monthly recurring total with renewals on the calendar, and reviews — added on the card or left by the client on their portal — give an average rating. The enquiry form is a full form builder — your own questions, the look, a consent box, the visitor's language (Ukrainian included), a thank-you page and a campaign for every lead it brings. Project templates turn a job you sell again and again into a project with dated tasks in one step, and a won deal can start one by itself. Write (Pro) sends a client an e-mail from their card with ready templates, under your name and with replies to your own mailbox; files keep briefs and signed papers on the client's card; two cards for one client merge into one with everything under them; and Where to start walks a new account through the first steps.

Project templates start a project with its dated tasks in one click — by themselves when a deal is won, if you like; Write sends a letter to the client from their card with ready templates; each card keeps the client's files; and two cards of the same client are merged into one without losing anything.

Savings Goals Tracker — /savings-goals-tracker

Everything you are putting money aside for — an emergency fund, a trip, a first payment, a laptop — with the target, what is already in, what each month must carry, and when the goal lands.

• Overview — everything saved against everything targeted with one progress bar, what went in this month against the plan, what is still to save, the streak of months you contributed without a gap, the soonest deadline, the goals reached this year; then the goals that are behind (what each needs a month against what it gets), every active goal as a ring with its pace badge and next milestone, and how one paycheck divides across the goals by priority.
• Goals — the list: a glyph, the progress bar with 25/50/75 marks, saved of target in the goal's own currency, and one line that says what it takes per month and when it lands. Put money in or take it out, mark reached, pause, archive, drag to reorder; filter by status, sort by progress, deadline or size; select many and delete at once. Every unfinished goal has a button that opens the Target Savings calculator with its numbers in place.
• History — what went in each month as bars, and the log of every deposit and withdrawal — newest first, filterable by goal, each row deletable or sendable to the Expenses Tracker as a prefilled entry.
• Setup — the currency totals are shown in, your paycheck and its cycle (weekly, every two weeks, monthly) for the split, and the CSV import.

A goal's pace is honest arithmetic: with a date, the tracker works out what each remaining month needs and compares it with your plan (or, without a plan, your three-month average) — ahead, on track, behind, or overdue; without a date it projects the landing day from the same rate. Milestones at 25, 50, 75 and 100 percent are drawn on every bar and offered as one-tap amounts in the contribution sheet, along with the monthly plan and the whole remainder. The paycheck split takes what arrives each pay cycle and divides it across the active goals in priority order, each taking its plan pro-rated to the cycle and never more than it still needs — and on payday one tap books the whole split as contributions, after you confirm. Every goal and every contribution is stored in its own currency; totals convert into the currency you are viewing in. Export of everything — every field and every contribution — is free on every plan.

• Shared book — a set of goals a couple, a family or flatmates save for together. Editors add goals and put money in, an administrator sets the currency and paycheck, a viewer sees everything and changes nothing — no Pro needed to look. Your personal goals stay private and are never mixed in.

The Target Savings, Emergency Fund and Savings calculators each hand their result here as a goal — the add form opens with the target, what is already saved, the monthly figure and the date filled in, for you to confirm. An AI savings coach on Pro reads the same figures the page shows and answers "which goal should I feed first", "where should a bonus go", "is the holiday date realistic" — and can add a goal or record a contribution from a sentence. A new account opens on an example set of six goals (an emergency fund two-thirds there, a holiday behind plan, a first payment, a laptop nearly done, a bike reached, a paused camera) with eight months of contributions, which disappears the moment you add your own first one. Free users keep up to 3 open goals with progress, pace, milestones, the paycheck split and CSV import and export; Pro removes the cap and adds the coach and the shared book.

Event Planner — /event-planner

One planner for the things in life that come with a date and a bill — a trip, a wedding, the holidays, a renovation, a party, a baby. Each plan has a budget, a countdown, a checklist with due dates and the lists that kind of event needs.

• Overview — the countdown (days to go, days left on a trip, or how long ago), the budget ring with what is left or how far over, what is paid and what is still to pay, the tasks done, the lines that came in over their estimate; then where the money goes by category (planned against actual), what is coming up in the next two weeks (tasks and payments), and one card per list with its progress.
• Budget › Lines — every line grouped by category with a planned amount, the real cost once you know it, a payment state (not paid, a deposit or part-payment with what has been handed over, paid in full), its own currency when it differs from the plan's, a vendor and a due date. The expected total is the real cost where the bill is known and the estimate where it is not — so "left to spend" and "still to pay" are honest while the event is still being planned. Filter by category, payment state, vendor or text; sort by category, due date or amount.
• Budget › Analytics — where the money goes (a donut by category), planned against actual per category, the ten biggest lines, spend over time by week or month (planned, expected, paid — running), and the category table with the difference.
• Tasks › Checklist — one checklist grouped by when it is due: overdue, the next seven days, later, undated, done. Type a task at the top with a date and a person; tick it off in place.
• Tasks › Calendar — the event day(s), every task by its due date, every payment still to make by its due date, the itinerary and the gifts by their day, on one month grid that opens on the event's month, with the next two weeks beside it.
• Lists — the lists for that kind of plan: packing (by group and whose bag) and an itinerary by day with times and places for a trip; guests and vendors for a wedding; gifts for the holidays with a recipient, a budget and a price; plus a free list on every plan. One tap moves a row to its next status; the full form on the name holds the rest. The guest list answers the caterer — head count, adults and children, confirmed and waiting, invitations and thank-yous still to send, dietary needs and meal choices — and has a seating board: tables with seats, who sits where, who has no seat yet. Vendors keep a contact, phone, email, website, rating and whether the contract is signed.
• Setup — the default currency, the CSV export and the sample plans.

Picking the kind sets everything up: the budget categories offered first, which lists the plan keeps, and a starter checklist whose due dates are counted back from the event day ("book flights 60 days before", "final head count a week out") — all of it changeable afterwards. Each plan is stored in its own currency; totals across plans convert into the currency you are viewing in. Export of everything — every plan, line, task and list row — is free on every plan.

• Shared plan — a plan a couple, a family or a group of friends keeps together. Editors add lines, tasks and guests; an administrator sets the currency; a viewer sees everything and changes nothing — no Pro needed to look. Your personal plans stay private and are never mixed in. Rows show who added them.

The Vacation Budget, Wedding Budget, Gift Budget and Baby Cost calculators each hand their result here — the plan form opens with the kind, the budget and the breakdown you built there ready to add, for you to confirm. A paid line can be sent to the Income & Expense Tracker with one tap, prefilled for you to confirm. The assistant reminds you of an overdue task or a payment due this week, the weekly digest carries the nearest plan, and the Workspace board draws its countdown and budget ring.

A new account opens on two example plans — a five-day trip six weeks out with flights booked and a packing list half done, and a wedding ten months away with a guest list and vendors — which disappear the moment you add your own first one. Free users keep 1 open plan with the full budget, checklist and lists; Pro removes the cap and adds the shared plan.

Inventory Tracker — /inventory-tracker

Stock for somebody who sells things: what is on the shelf, what it cost, what it is worth, what is about to run out, and what has been sitting there not selling. The quantity on hand is not a field you edit — it is the sum of your movements. Every delivery, sale, customer return, return to a supplier, write-off and stock-take is a row, and the count is replayed from them in date order every time the page loads. That is not tidiness: cost of goods sold, gross margin and stock turnover are all questions about which units left and what those particular units cost, and a stored quantity has already thrown that away.

• Products — one row per thing you stock, with an optional SKU, a category, supplier, location and barcode, your own unit word (pcs, kg, m, pair, box), a reorder point and the order size you actually buy in. The table shows what is on hand, the average cost, what the shelf is worth at cost and at your prices, and the four words for a shelf: out, low (at or below the reorder point), dead (nothing sold inside the dead-stock window) and ok. Sort by any column header; filter by category, supplier, location or state with tick boxes; select several rows for a bulk action.
• Movements — the history, filterable by kind, product, channel and period. A sale can also carry a status — shipped, delivered or cancelled — and two of those three are captions while one is arithmetic: shipped and delivered change no number (the units left the shelf when the sale was recorded), while cancelled takes the row out of everything — no units out, no revenue, no margin, gone from the charts — and leaves it on screen struck through, because an order that fell through is worth seeing. ⚠ It is not a customer return: a return is a real event with its own kind of row; a cancellation is an event that did not happen, so it is removed from the arithmetic rather than compensated for with a second, opposite row. ⚠ A stock-take is the one kind whose quantity is absolute: you say the shelf holds five, and the tracker works out the adjustment that makes the running total five and records the difference as shrinkage. Everything else says how many moved.
• Average cost, with the freight in it — twenty mugs at 4.00 with 20.00 of shipping cost 5.00 each, not 4.00. A second delivery at a higher price moves the average; a sale removes its units at the average at that moment; a write-off costs the same average and is a loss, never a sale; a customer return puts the unit back and takes back both the revenue and its cost.
• Analytics — the shelf's value at cost and at retail, revenue, cost of goods, margin, stock turnover and days of inventory for the period you choose; ABC by the 80/15/5 rule; who actually earns, ranked by profit rather than revenue; money asleep in dead stock; breakdowns by category, channel and supplier; and a category-by-month heat map.
• Restocking — everything at or below its reorder point, rounded up to that product's order size, grouped by supplier, with what it will cost. It exports as its own CSV, so it is a list you can send rather than a number you have to act on.
• Purchase orders and suppliers — an order you have placed is a document, not a movement: nothing has moved, the goods are still at the supplier. What it changes is the purchase list, which subtracts what is already on its way instead of telling you to re-buy a box of mugs every day until it arrives. Receiving asks how many turned up now, because a part-delivery is the normal case, and splits any freight across the lines by value. The supplier directory holds the email, the payment terms and the usual delivery time — a lookup by name, so a product whose supplier is not in it still saves and an import of three hundred lines never fails on a missing card. Where the delivery time is known, each line gets the date to order by: the day it runs out, minus that time.
• Run-out dates — sales velocity over the period you pick, applied to what is on the shelf, gives days of cover and the day each product hits zero.
• Import and export — a CSV of products or of movements is matched on SKU or name, and shows you what it recognised before anything is written. Export of everything is free on every plan.
• Recipes and production — for the seller who MAKES what they sells: jam, candles, soap, baked goods, kits. A recipe says what one batch is made of and how many units it yields; one click records the run. ⚠ Making ten jars adds ten jars and removes their materials, each as an ordinary movement — nothing changes a count without a row to show for it. And the finished jar gets a real cost: the average cost of the sugar, the fruit and the lid at the moment you made it, freight included. That is the part a spreadsheet cannot do — it can move the quantities, but it cannot tell you what the jar cost. A consumed material is neither a loss nor a sale; its money moved to the product you built. Short of something? It says so and lets you record it anyway.
• Shared shelf — stock two people keep together: editors record movements, an administrator sets the currency and what counts as low, a viewer sees everything and changes nothing. Your own products stay private and are never mixed in. Rows show who added them.

Products and movements each carry their own currency and every total converts into the one you are viewing. A new account opens on a demo shelf of eight products — one out of stock, two running low, one that has not moved in months, a candle whose average cost moved between batches, some breakage and a stock-take that came up short — which disappears the moment you add anything of your own.

What it deliberately does not do: it does not connect to a shop, a till or a marketplace; it is weighted average only — no FIFO, no LIFO, no serial numbers, so it is the wrong tool for serialised, perishable or batch-traced goods; variants are not a structure (a t-shirt in three sizes is three products); it is not an accounting system; a supplier card holds contact details, not an account — there is no ordering by email from here, no portal and no invoice matching; and the run-out date is arithmetic that assumes the last period repeats, not a forecast. Methodology in the inventory handbook; a comparison against spreadsheets and dedicated apps at best inventory tracker.

Client Booking — /booking-tracker

An appointment book with a public booking page, for anyone whose time is the product: salons and barbers, massage therapists and clinics, tutors, trainers, coaches and consultants. The owner keeps the schedule; clients book themselves from a link, without creating an account.

• Finished examples to try — a beauty salon at calculatorai.app/book/lumiere-studio and a family clinic at calculatorai.app/book/northside-clinic: real pages with real-looking calendars, where a visitor goes through the whole booking and nothing is actually booked.

• Several businesses in one account — every booking page is its own business with its own team, services, clients, schedule, waitlist, analytics and staff logins; a switcher in the tracker's header opens one at a time, and nothing is shared or added up between them — except on the schedule, where the owner can tick several businesses to see their visits side by side.

• The booking page — built inside the tracker with a live preview: logo (uploaded or taken from your website), header picture, style, colour, corners and font; a title, a short line and an "about" text; contacts and social profiles; the services and team members on offer; your own questions for the client; the rules for clients and a thank-you message. Four desktop templates — Classic, Editorial (with an optional handwritten-style signature line), Concierge and Integrated — and one tidy column on phones. The newer templates show whether you are open right now ("Open until 19:00"), each specialist's nearest free time, and let clients search the team by name or specialty. Clients start from a service or from a specialist, open a service's details or a specialist's "About", and see prices written the way their language writes money. The page, its emails and the change/cancel page speak the language the owner picks — the site's languages plus Ukrainian.

• Blocks for the owner's own website (free) — the Widget tab gives three pieces of the booking page to paste into any site (Tilda, WordPress, Wix, Webflow or plain HTML, two lines of code): the team as cards (photo, name, role, About, "Book" and "Details"), the services as cards (picture, price, duration, "Book") — each as a carousel, a grid or a list — and a floating Book button in the corner (with text, or icon only). "Book" opens the owner's booking page in a new tab, already on that person or service; "Details" opens a small window with the specialist's About over their site. Headings, button texts and colours, dark cards, and which people or services appear (drag to order) are set in the tab with a live preview; the blocks follow the tracker's data by themselves and speak the booking page's language. Bookings made through them carry the website's domain as their source.

• The "Online booking by CalculatorAI" line — at the foot of the booking page and the change/cancel page; a Pro owner can switch it off, and it returns by itself if Pro ends.

• Only real free times — built from each person's working week, breaks, weekly days off, holidays and the length of each service, with buffers before and after. The owner sets how much notice a booking needs, how far ahead the calendar opens, the slot step, and whether bookings are confirmed instantly or arrive as requests to accept or decline.

• No double bookings — two clients pressing "Book" on the same time at once cannot both get it: the database refuses the second, which is shown the times still free. A request waiting for an answer already holds its slot.

• Time zones — each reader sees times in their own zone, and a clock change never moves a booking.

• Emails — a client who leaves an email address gets a confirmation with a calendar file, messages when a visit is confirmed, moved or cancelled, a reminder the day before, and a private link to see, move or cancel the visit within the owner's cancellation rule. The owner gets a copy of every booking, change, cancellation and payment report, plus a notification.

• Waitlist — when no time suits, a client leaves a request (service, specialist, days, part of day); the site watches for freed times every 10 minutes and emails them a link to book, with limits so nobody is flooded. The owner sees and manages the list in the Waitlist tab, where it is also switched on or off.

• Reminders in Telegram (free) — after booking the client can tap "Remind me in Telegram": our bot sends the day-before reminder there too, as a card with the business's logo, with "I'll be there" / "Can't make it" buttons (the owner sees who confirmed; "can't make it" cancels within the cancellation rule), an optional second reminder 2 hours before, the owner's changes to the booking and a Directions button. One tap once; later bookings with the same business are reminded automatically; /stop turns it off. Switched per page in Page → Rules. No SMS or Viber (paid per message).

• Booking notifications for the business in Telegram (free) — a separate bot, CalculatorAI Booking: new bookings, requests with Confirm / Decline buttons, cancellations, moves and payments. Connected in Page → Rules.

• Card payments through the business's own bank (Pro) — the owner connects their own acquiring (monobank, WayForPay or LiqPay in Ukraine, Mollie in Europe, iyzico in Türkiye) with its keys; clients press "Pay by card", the money goes straight to the business (no cut from us), and the visit is marked paid by itself — a booking waiting only for its prepayment is confirmed at once.

• Payments, no commission — clients pay the business directly: at the visit, or ahead of it by the payment details or payment link the owner puts on the page (full price, a fixed prepayment or a percentage; set per page, per service or per specialist; optionally required, with unpaid requests released after a set time). The client presses "I've paid", the owner confirms the money arrived, and the visit is marked paid — the site itself never handles or checks the money.

• Schedule, clients, services, team — day, week, month and list views; statuses from request to completed or no-show, with paid marked separately; client cards with every visit, payment, no-show and private notes; packages of sessions that count down; repeating appointments (weekly, every two weeks, monthly or every N days) that skip dates already taken and say so; services in categories with filters, a picture per service, a colour, drag-to-reorder and an option to hide the length; team members with a photo, a role, an "About" text, their own hours and days off.

• Analytics — six views (overview, finance, team, top services, sources, client base) over any period, filtered by specialist or service: bookings, visits, revenue with the unpaid part shown, average check, new against returning clients, occupancy and the no-show rate. Sources show where bookings came from — the page link, tagged links per channel (Instagram, Google, a newsletter…), other websites, or the QR code: the builder hands the page to the QR code generator as a dynamic code tagged as its own source.

• Protection against spam — limits per visitor and per page, a hidden field for bots, a check that the form was really opened, a quiet human check and a cap on how many upcoming bookings one client can hold — none of which a real client sees.

Everything except staff logins, card payments and hiding the CalculatorAI line is free — the website blocks included — with no cap on appointments. A completed visit can be sent to the Income & Expense Tracker or the Business P&L as income, prefilled for the owner to confirm; visits appear on the Workspace calendar with confirm / done / cancel buttons; the weekly email carries a line about the week; and the assistant knows the week ahead, the waiting requests, the month's earnings and the payments waiting for confirmation. Appointments, clients and services export to CSV at any time. Methodology in the client booking handbook; a comparison against a notebook-and-chat routine and dedicated booking apps at best booking system.

Password Manager — /password-manager

A zero-knowledge vault for your logins, and the only tracker on the site whose contents nobody but you can read — including us. Your master password is stretched with PBKDF2 (600,000 rounds) into a key that wraps a random vault key; every entry — title, username, password, website, notes — is sealed with AES-256-GCM in your browser before it is saved. The server holds opaque blobs and two wrapped copies of the key: a stolen database, a stolen session cookie, or someone who gets into your email finds nothing readable. There are no plaintext columns and no server-side search; the list, the search box and the filters all run over rows decrypted in your own tab.

• Two ways in, one key. The master password and a 32-character recovery code each wrap the same vault key. The code is shown once at setup (copy, download or print it) and again whenever you change the master password. There is no email reset, because a reset we could perform would be a vault we could read — the setup screen says so before it lets you continue.
• Unlock with a passkey. Register this device in the Security tab and Face ID, Touch ID, Windows Hello or a security key opens the vault — the one path with nothing phishable to type. It is not a way around the encryption: the authenticator derives the key itself through WebAuthn's PRF extension, and registering requires the vault to be open in the first place. Your master password and recovery code stay, because a passkey lives on one device.
• Two-factor sign-in. Turn it on in account settings → Security and choose the second step: a six-digit code from any authenticator app, Face ID / fingerprint, or both. If neither works on the device in front of you, "Get a code by email" sends a six-digit code to your account email instead — valid for 10 minutes, a few tries, and it replaces only the second step, never the password. Independently of that prompt, the vault's tables refuse to answer a session that has not passed the second factor.
• It locks itself. After 1, 5, 15 or 60 idle minutes (your choice), a minute after the tab goes to the background, when you leave the page, and when you sign out. A copied password leaves the clipboard after 30 seconds.
• The generator, where you need it. Every password field generates 12–32 random characters and shows the same entropy read as the Password Generator. A password you have not changed in a year is flagged in the list.
• Import and export. A CSV from Chrome, Firefox, Safari, Edge, Bitwarden or 1Password is read in your browser and encrypted row by row — the file is never uploaded. Export to CSV or JSON, after typing the master password again, is free on every plan.
• What it deliberately does not do: no demo data, no shared vault (yet), no AI access — the assistant cannot read, search or count what is in it — and site logos are off by default, because asking a logo service for "bank.com" tells it you have an account there.

Free plan: 25 logins. Pro: unlimited. The encryption, the recovery code, two-factor and export are identical on both — a tier does not buy security. Methodology in the password manager handbook.

Net Worth Tracker — /net-worth-tracker

One number for how you are actually doing, and the year work becomes optional.

• Overview — everything you own minus everything you owe, as one figure that counts up when the page opens. Below it, where it comes from: an allocation ring for investments, cash, property equity and other assets, with debts on their own line underneath. Each line links to the tracker that owns it, because none of those numbers are stored twice.
• Over time — a monthly line with a tooltip on every point. A snapshot is recorded automatically on your first visit each month, and it keeps each component separately, so a year later "why did it jump in March" is answerable instead of lost. Filter to six months, a year, two years, everything, or a custom range.
• Analytics — assets against liabilities month by month, how much net worth moved against the month before it, and each part of the sheet then against now.
• Retirement plan — your income, your spending and four rates you can argue with, run forward year by year: the pot you need at your chosen withdrawal rate, the year you reach it, and whether the money lasts. Every assumption is on screen and editable, because a projection you cannot inspect is a black box.
• Cash & other assets — the only thing this tracker stores itself: current accounts, savings, a home owned outright, a vehicle. Everything else it reads live from the Portfolio, Rental and Debt trackers.

Accounts can be held in different currencies, and conversion happens before anything is added — a euro savings account, a dollar portfolio and a loan in a third currency are brought to one currency at current rates and only then summed. You can read the whole page in any currency you like without ever changing what is stored. Export is free on every tier and carries the accounts, the full monthly history and your retirement assumptions in one file; deleting an account takes it out of the totals immediately and keeps it restorable for 30 days.

You choose what counts. Investments, property equity and debts each have a switch — turn one off and it leaves the total immediately, with nothing deleted. Trading accounts from the Trading Journal can be switched on as a fourth source; it is off by default because that money is often already inside your portfolio, and counting it twice is worse than not counting it at all. And rather than typing balances in, you can photograph a bank statement or your banking app and have the accounts read off it — credit cards and loans are skipped, since those belong to the Debt tracker, and nothing is saved until you have looked at what was read.

What it deliberately does not do: connect to your bank. There is no credential sharing and no third-party aggregator, which is also why it works the same in every country rather than only where a bank-linking service has coverage.

More trackers are planned and will share the same Pro account when they ship — no new bill, no new account.

Dividend Tracker — /dividend-tracker

What your holdings pay, when each payment lands, and the year the income covers your life.

• Income — forward annual income and what it works out to per month, with the net after withholding tax underneath. Beside it, yield on cost against what your shares actually cost you and the yield at today's price, because the gap between those two is the whole case for holding a dividend grower. Below: progress towards a monthly income goal, what actually landed month by month against the same months last year, and income split by position, sector or payer country.
• Positions — shares, cost, dividend per share, cadence, annual income, both yields, the ex-dividend date and a safety verdict, sortable and searchable. Enter a ticker and the dividend amount, how often it pays, the next ex-date, the growth rate and the raise streak fill themselves in; one button refreshes every position from the market.
• Calendar — twelve months of expected payments as a stacked chart, month cards listing every payment, and a heatmap of who pays when. Empty months are shown on purpose, with a hint at which quarterly cycle would fill them. A month with nothing logged can be back-filled in one step.
• Payments — the received log, shared with the Portfolio Tracker's dividends tab, so a payment logged in either place counts in both. Import a broker's dividend or activity CSV and non-dividend rows are dropped rather than counted as income. Any payment can be sent to the Expenses Tracker as income.
• Growth — the reinvestment snowball: dividend growth, DRIP, annual contributions, share-price growth and each position's own withholding rate compounded year by year, ending in the year your monthly target is met.

Withholding tax is modelled per holding, because it follows the payer's country and not the investor's: set the country and a typical statutory or treaty rate applies, overridable per position. Dividend safety is a verdict with its reasons — cut, payout ratio, raise streak — never an invented score, and payout ratio is deliberately ignored for REITs and funds, which are required to distribute most of their income. Reminders arrive two days before an ex-dividend date and on the day a payment is due, and a dividend cut found in the weekly data refresh is pushed straight away. Free covers the income view, the calendar, the payment log, CSV import and export and six positions; Pro removes the position limit and adds the growth projection and the PDF income statement.

Your profile — /account

Your account has one profile photo across the desktop header, mobile navigation, account overview and settings. Upload a JPG, PNG or WebP from the small camera control on the avatar; replacing it updates every surface at once. The photo is optional — without one, CalculatorAI keeps the coloured initials avatar. Display name, public nickname, password and application preferences remain under Account Settings.

Sign-in methods live under Account Settings → Security, and they keep you to one account however you sign in. Link Google there, and "Continue with Google" opens your existing account instead of starting a new, empty one; in the CalculatorAI app on iPhone you can link Apple the same way — useful if you use Apple's Hide my email, which would otherwise look like a stranger's address. Signing in with Google under the same address as your account already lands in it with no linking needed. You can unlink a method again at any time, as long as another way in remains — the page will not let you lock yourself out, and on an account with two-factor sign-in it asks for your second step first.

Deleting your account is in Account Settings, and it is permanent: your profile, your data and your uploaded files go with it. Two things work the way you would want them to. If you pay for Pro, cancel the subscription first — the delete button sends you to the cancel step — so you are never charged for an account that no longer exists. And anything you keep together with other people does not vanish from under them: a shared tracker you own passes to another member, and the entries you added to it stay.

Your uploaded files, in one place — /files

Screenshots of trades, photos of receipts, lease and insurance documents — the files you attach around the site all end up on one page, My files, in the Library section of the sidebar. Each one shows where it is attached, when you uploaded it and how much space it takes, and opens with one click.

Anything you upload is private: files are stored in locked buckets that nobody can browse, and every preview link we hand out expires within the hour. You can delete any file from that page, and deleting it removes only the file — the trade, the expense or the property it belonged to keeps every number you entered and simply loses its attachment. Deleted files wait 30 days in a bin where you can restore them, exactly like everything else you delete here. Images you drop into the AI chat are not kept at all: they are read once and erased within the hour.

Document tools — professional generators for business paperwork

Fifteen generators, each at its own URL — thirteen accounting documents plus two utilities (QR codes and passwords):

• Invoice generator — /invoice-generator — standard commercial invoices with Net 30 / Net 15 / Net 60 terms, VAT / sales tax / GST, IBAN / SWIFT / routing details, dynamic signature drawing, currency formatting that respects locale conventions.
• Quote / estimate — /quote-template — business quotes with validity windows, scope of work, conversion to invoice.
• Purchase order — /purchase-order-template — B2B purchase orders with Incoterms (FOB, EXW, DDP), PO numbers, three-way matching support.
• Receipt — /receipt-generator — payment confirmations, cash vs card, warranty proofs.
• Credit note — /credit-note-template — refunds, billing corrections, reference to original invoice.
• Debit note — /debit-note-template — added B2B charges with reference trail.
• Proforma invoice — /proforma-invoice — pre-shipment, customs, letter of credit.
• Delivery note / packing slip — /delivery-note-template — quantities, sender / receiver, signature line, no financial fields.
• Timesheet — /timesheet-template — billable hours, project / task split, consultant approval flow.
• Commercial invoice — /commercial-invoice — specialized invoices for international trade containing customs information, carrier tracking, AWB/BL numbers, package counts, gross/net weights, Incoterms, and line-item HS codes and country of origin.
• Expense report — /expense-report — out-of-pocket reimbursement claims: travel, meals, mileage priced by distance × rate, advance already drawn, and the reimbursement still owed to the claimant.
• Statement of account — /statement-of-account — open-item summary of a customer's unpaid invoices with payments received and the balance outstanding; the collections document that restates what was already invoiced.
• Progress billing — /progress-billing — construction applications for payment: work completed this period priced by units, retainage withheld as a percentage, previous billings deducted, and the payment due this period.
• QR Code Generator — /qr-code-generator — create static and dynamic QR codes with customizable dots, corners, colors, gradients, and custom logos. Dynamically links to the QR Codes Tracker to save, edit destination URLs, and track live scan analytics.
• Password Generator — /password-generator — strong random passwords (6–128 characters; uppercase, lowercase, numbers, symbols; avoid look-alikes, no repeats, start with a letter, exclude specific symbols), memorable passphrases from the EFF long word list (3–12 words, separators, capitalisation, optional digit/symbol) and numeric PINs (4–16). Every result is made in the browser with Web Crypto and never sent anywhere; strength is shown as entropy in bits with the time to crack under three honest attack scenarios (online guessing at 100/s, a leaked database with slow hashes at 100 k/s, a leaked database with fast hashes at 100 bn/s); a "Check yours" tab estimates a typed password locally and names the patterns that weaken it; lists of 5–50 can be copied or downloaded as .txt. Free, no account; only the option settings are remembered in the browser. Methodology in the password generator handbook.

The thirteen accounting document generators share one editor and one PDF pipeline. Features available across all of them:

• Fill with AI & PDF/Image Import — type a sentence to generate items, or upload a screenshot or PDF of any invoice/receipt to automatically parse and fill all document fields instantly.
• Save to your account — every document you create can be saved into your library; revisit, edit, duplicate, archive.
• Email straight to your client — send the PDF in-app (via Resend). Sender name, reply-to, message body — all editable. Both you and the client get the same branded email.
• CSV import with AI mapping — bulk-import historical invoices from any spreadsheet; AI maps your columns to ours.
• Reusable address book — clients you've billed before are one tap away on the next document.
• Multi-currency — display, send, and store in 30+ currencies.
• Translated in all 10 site languages.

Install it as an app

CalculatorAI can be installed on a phone, tablet or computer and used like a native app — its own icon on the home screen or dock, its own window, no address bar and no browser tabs around it. There is nothing to download from a store, no account beyond the one you already have, and it takes up almost no space, because it is the same site.

The install icon sits in the toolbar of every tracker and every document generator, next to the star that marks a favourite. It appears only when the app is not installed yet and your browser supports installing it, so it is never in the way.

• Android, Windows, macOS, Linux — Chrome, Edge and Brave show the icon and install with one tap.
• iPhone and iPad — Safari installs through the Share menu → Add to Home Screen. Tapping the icon walks you through the two steps.

Installed, it also gets a proper place for notifications: reminders and alerts arrive like any other app's, without the site being open.

What works without a connection. The app's own files live on the device after the first visit, so it opens instantly and never re-downloads itself. Lose signal and you get a proper "you're offline" screen with a retry button instead of the browser's error page.

Why we do not store your data on the device

Your trackers need a connection, and that is a decision rather than a gap. Three reasons, and we would rather say them out loud than let you find out the hard way.

We are not putting your money on a device we know nothing about. Working offline means keeping your balances, trades and invoices in the browser's own storage — on a laptop that might be shared, a work machine, a phone someone borrows. We already refuse to cache even the page of a tracker for this reason. Your figures live in your account, behind your login, and that is the whole point of having one.

An offline queue is the most common way an app quietly loses what you typed. You enter a trade underground, the app says "saved", the queue fails hours later and nobody tells you. You would find out weeks on, from a number that does not add up. We would rather tell you now that we could not reach the server than be confidently wrong later. Nothing here is ever half-saved.

Two devices editing the same thing has no honest automatic answer. Change an expense on your phone with no signal, change it again on your laptop, reconnect — something has to lose, and no rule we could pick is right for everybody. Silently picking one would be us making a decision about your records without asking.

So: the app opens instantly, tells you plainly when it cannot reach the network, and asks you to try again in a moment. Signal comes back, you enter what you needed, and nothing was invented in between.

Put a calculator on your own website

Every calculator here — and every document generator, from the invoice generator to quotes, receipts and timesheets — can also live on someone else's site: a blog post explaining mortgages, an agency page, a course, a broker's help centre, a restaurant's menu page, a freelancing guide, a company intranet. It takes one line of code, it costs nothing, and it works on any platform that lets you paste HTML.

The document widgets make a complete, downloadable PDF without an account and without a watermark — the whole document is built in your reader's own browser. Saving it, emailing it to a client, the client directory and the AI fill stay on the real tool, because those need an account.

How to get the code. Open the builder at /embed, pick the tool, set it up, and copy the snippet. Paste it into your page and you're done — there is nothing to install, no account to create, no API key to request, and nothing to approve.

What you can set

There is no height to set on purpose: the widget measures itself and tells your page how tall it needs to be, so it always grows to fit its content instead of hiding results behind an inner scrollbar. Given enough width it shows the full two-column desktop layout, with the inputs staying in view while the results scroll — exactly as on the site. On phones it stacks, like everything else we build.

What's inside a widget. The calculator itself: the same math, the same instant results, the same breakdown. Everything that belongs to a CalculatorAI account — PDF reports, saving to history, favorites, screenshots, the hand-off buttons into the trackers — is deliberately left out, because a widget can't sign anyone in. Readers who want those follow the CalculatorAI link under the widget and get the full tool on our site.

The QR generator as a widget. Your readers get the whole static generator — every content type (URL, WiFi, vCard, email, phone, SMS, WhatsApp, location, event, crypto), colours and gradients, corner and body shapes, error correction, a centre logo, and both PNG and vector SVG download — with no account and no watermark. The one thing it leaves out is dynamic, tracked codes: those need a short link we host and an account to own it, and a widget can't sign anyone in. So the Dynamic tab links to the full tool, where anyone who needs an editable destination or scan analytics can carry on.

Which tools can be embedded. Every calculator, the QR code generator, and every document generator — invoice, quote, receipt, timesheet and the rest. A tool may only be handed out as a widget when everything it does happens in the visitor's browser, so that a host site can never be charged for its own traffic. The document generators originally failed that test because their PDF was built on our servers; the render was moved into the browser, and they became embeddable.

Share a comparison table. Every /best-* comparison page and every QR competitor-alternative page offers self-contained styled HTML, Markdown source, and a responsive live widget directly below its table. HTML and Markdown carry a visible source link; the live widget reads the current comparison from CalculatorAI, so updates appear on the host site without copying the table again.

The terms, in plain words

• Free for any website, commercial ones included. No signup, no key, no cap on how many widgets you embed.
• It keeps itself up to date. You paste the snippet once; improvements we ship arrive on your page on their own.
• The CalculatorAI credit stays visible — the one inside the widget and the link beneath it. That's the whole price.
• Don't modify the snippet, hide the credit with CSS, or crop the frame so parts are cut off. Sites that do lose access.

How pricing works

We do not believe in walls. Everything on the site is free to try, and we never auto-charge anyone.

Anonymous visitors can use every calculator, browse the trackers in demo mode, see every document tool, and read every methodology page. Sign up to save your work, get an account, and unlock the AI everywhere.

Free signed-in keeps you forever. Daily caps on saves and AI requests, plus a few lifetime caps (favorites, saved invoices, address-book size). Downloading a document as PDF is not capped on any tier — it is built in your own browser and costs us nothing, so there is nothing to ration. You can always export your data too — that's never gated.

Pro removes every cap. Unlimited AI everywhere, unlimited saves, unlimited everything.

Grace is everything in Pro plus Grace, the AI assistant who talks with you: she reads her answers aloud in her own voice — numbers, tickers and terms said the way a person says them — and on the home page you can simply ask her out loud and hear the answer. And she can save for you: say "I spent 2,000 on fuel" and it is already in your tracker, with Undo one tap away — no form to confirm (a switch in your settings; deletions and payments still ask first). It is the plan for people who would rather talk than type.

The trial: every new account gets 30 days of full Pro access, free, no credit card. When the trial ends, your account drops to Free; everything you created during the trial stays — visible, exportable, never deleted. Subscribe whenever you're ready.

Email cadence around billing. When you subscribe you get a welcome email. When you cancel you get a confirmation showing exactly when access ends — no surprise drop-offs. Yearly subscribers get a heads-up about a week before renewal so there's time to update a card or cancel cleanly. Stripe also sends the standard payment receipts.

Come-back email. If you have not opened the site in a few days, you may get one short email — and what it says depends on whether you have anything stored. With data, it names it: which invoices are overdue, how long the trading journal has been idle, where the portfolio stands. Without data, it is a plain reminder of what the site is for, with nothing to do. At most one a fortnight, never after two months of silence, and the unsubscribe link turns off every reminder email at once.

Weekly digest email (Pro). Once a week, Pro members with active data get a short branded email recapping what changed — portfolio moves, new trades, trading P&L, the business P&L's month (revenue, costs, operating profit and margin, sales tax to remit, top channel), newly-overdue invoices — plus progress on any goals you've set and one thing worth focusing on. It's on by default; turn it off any time in Settings → Weekly digest, or with the one-click unsubscribe in every email.

Goals widget. Goals are managed in Settings → AI memory. A goal can be kept as a simple reminder, or connected to a supported live tracker metric (portfolio, held ETH/BTC price, journal P&L, net worth, monthly cash flow, rentals, debt payoff, habits, or dividends) with a numeric target. The dashboard always shows the user's real goal list: manual goals never receive a fabricated percentage, and an automatic goal says that data is unavailable until its tracker has a real value.

New-article emails. When a new guide is published, we can send it to you by email — the title, what it covers and a link. Only when there is something new, a few times a month at most, and never automatically on a schedule: someone presses send. Turn it on or off in Settings → New articles, or use the one-click unsubscribe in the email itself. The guides themselves are written in English.

In-app notifications. A bell in the top-right shows in-app notifications: subscription events (welcome, cancellation), site announcements (new tracker, new feature) and personal nudges. A short chime plays when something new arrives — toggle it off any time from the profile drawer.

What changes between Free and Pro

Everything still works on Free — Pro just removes the caps. The full comparison and FAQ live on the pricing page.

How AI helps across the site

The AI isn't bolted on — it's woven through every product. Six different AI surfaces, each with its own focus and its own knowledge.

1. In every calculator — AI chat (Pro / Free 5/day)

Inside any calculator, an AI chat tab knows your current inputs and the live computed result. Ask things like:

• "Why is my monthly mortgage payment $1,847 — what's driving most of it?"
• "What happens if I increase the down payment by $20,000?"
• "Explain PMI / amortization / capital gains tax in plain language."
• "Compare this scenario with a 15-year loan instead of 30-year."

The AI sees your numbers, so the answer is grounded in your situation — not a generic textbook response. It will not invent prices, rates or jurisdictions you didn't enter.

It can also fill the inputs for you. Just describe the situation in plain language — "I earn $80,000 a year, 20% down on a $400k home, 30-year loan" — and the AI will populate the fields automatically. A small green "Filled N fields" chip appears under the reply to confirm what landed.

2. AI Insights button on the result (Pro / Free 3/day)

One tap on the result panel asks the AI for a one-shot expert reading of the numbers. Different from chat: this is a single, structured analysis without back-and-forth. Typical output includes:

• What the result actually means in plain language
• Risks or red flags in the numbers
• Two or three recommended next actions
• Trade-offs the user might not have noticed

Use chat for back-and-forth questions, use Insights when you just want a verdict.

3. Trading Journal AI (Pro / Free 3/day chat, 1/day per-trade)

The journal has the deepest AI integration on the site because the data is rich enough to find real patterns. Five distinct AI capabilities live inside /journals:

• Per-trade analysis — open any trade, press "AI Analyze". The AI examines your entry, exit, stop, take-profit, size, strategy, and notes, and tells you what went well and what to improve. Great for post-trade journaling.
• Journal chat & Form Auto-Fill — ask anything about your trading (e.g. "What's my win rate by strategy?", "Review my last 10 trades"), or simply describe a trade in natural language (e.g., "buy AAPL at 180, sell at 195, size 100") to have the form fields automatically populated in real-time.
• Screenshot & Photo Import — drag-and-drop or upload a screenshot or photo of your trade/chart (e.g. from TradingView or your broker), and the AI vision system will extract all key fields (symbol, type, side, prices, quantity, dates, etc.) to pre-fill the form instantly.
• AI Insights (Pro only) — a weekly pattern report. Surfaces patterns you didn't see yourself: best setups, worst times of day, drawdown triggers, edge decay, recovery patterns.
• Pre-trade checklist — the AI helps you maintain a checklist (e.g. "Did I check the news? Is my stop placed? Is my risk under 1%?") and reminds you before quick-adding a new trade.

4. Invoices Tracker AI (Pro / Free 3/day)

The invoices chat knows your client base, your billing history, and which clients are late.

• "Which invoices are overdue, and by how much?"
• "Draft a polite-but-firm follow-up to Globex about INV-2026-004."
• "What's my average days-to-pay this quarter?"
• "Which clients always pay on time? Which always drag?"

When you ask for a follow-up email, the AI tunes the tone for the situation — gentle nudge for a 3-day overdue, firmer language for 30+ days, formal escalation for 60+ days. You always review before sending.

5. Document tools — Fill with AI & PDF/Image Import (Pro / Free 5/day)

In every document generator (invoice, quote, purchase order, receipt, etc.), the AI Fill panel offers two paths to populate the document:

1. Natural-language prompt: Type a description of your work (e.g. "Send Globex Corporation $4,200 for May consulting hours, Net 30, my standard 20% tax") and the AI fills the form details, client details, line items, dates, and taxes.
2. File scanner (PDF/Image OCR): Drag-and-drop or upload a screenshot, photo, or PDF of a billing document (receipt, invoice, purchase order, timesheet). The AI reads the file and autofills the entire document template fields — sender (from), customer (billTo), items, taxes, notes, and banking/payment details — instantly.

Pro users also get CSV Import with AI mapping — point at any spreadsheet of historical invoices and the AI maps your columns to ours, no template required.

6. Site Assistant — the floating button (Pro / Free 5/day)

The chat button in the corner of every page — this is the only AI that knows about everything you do across the whole platform.

• "How am I doing this month — both trading and invoices?"
• "Which clients are late and which trades are open?"
• "Which calculator should I use to figure out a 401(k) rollover?"
• "What features come with Pro that I'm not using yet?"
• "What's the difference between a quote and a proforma invoice?"

Unlike the in-product chats which focus on one tool, the site assistant has read every methodology page on the site and has a compact snapshot of your data across the journal, the invoices tracker, and your calculator history. It routes you to the right tool, explains site-wide concepts, and gives personalised cross-product answers.

Snap a photo, skip the typing. Upload a screenshot or photo of a financial document — a paystub, a bank statement, a brokerage screen, or your phone's subscriptions list — and the assistant reads it, then opens the matching calculator with the numbers already filled in (a subscriptions list fills in every line at once). A shop receipt or a bank-app transfer confirmation goes to the expense ledger instead: it opens the Add-transaction form with the amount, currency, shop and date already in it, for you to check and save — in any language and any currency, not only dollars. And when the document is one a tool here already knows how to read — a bank or card statement, a portfolio screen, a trade history, a dividend history, a budget, an Airbnb booking, an invoice or quote — the assistant says which tool that is and opens its importer with your file already in it, so you go straight to checking the rows instead of hunting for the right Import button. When a file matches none of the tools, it does not dead-end: the assistant reads it, tells you what it says — a price chart, a statement, a bill — and points you at the closest tool, explaining that a file of that kind is best uploaded inside it, where it is read properly and you can check every row before saving. If the picture is too blurred or cropped to make out, it says so and asks you to name the document in a line, then tells you which tool to open. And if this site genuinely has no tool for what you sent, it says that too, and points you at the page where you can ask for one to be built. All of this works in any language your documents are written in, not only English — a Turkish till receipt, a German invoice or a Japanese convenience-store slip is read the same way, in its own currency, with the shop's name left as the shop writes it. You need to be signed in to upload. Free includes 2 image uploads per day; Pro is unlimited.

Privacy guarantee for all six surfaces: the AI sees only your own data, never anyone else's. We do not train models on what you ask. CSV export of your data is free regardless of tier — you never get held hostage.

How people use the site

There's no single path. People come for one tool, stay for the platform. A few real journeys:

"I'm a first-time homebuyer"

Land on the mortgage calculator. Enter price, down payment, rate, term. See the monthly payment break down into principal, interest, taxes, insurance. Save the scenario as "Option A — 30-year fixed". Adjust the down payment by $20,000 and save as "Option B". The Scenario Compare panel shows the delta in monthly payment and total interest paid. Ask the AI "explain PMI" and "should I prioritize down payment or rate buy-down?" — the AI explains the trade-offs without prescribing. Download the PDF and bring it to your real-estate agent meeting.

"I'm an active trader getting serious"

Sign up. Trial Pro auto-activates for 30 days. Open /journals. Add your first account (live, with broker name and starting balance). Quick-add your first three trades from earlier this week. Close them with exit prices and see your win rate, P&L, and equity curve fill in on the Dashboard. End of the week, ask the journal chat "review my last week" — the AI spots that you size up after wins and recommends fixed-fractional sizing. Two weeks in, the AI Insights weekly report lands in your dashboard surfacing that your best setups are breakouts on Wednesdays and your worst are mean-reversion attempts after 3pm. You add this insight to your pre-trade checklist and your win rate climbs.

"I freelance and I need to chase my unpaid invoices"

Open /invoice-generator. Type "Send Globex $4,200 for May consulting, Net 30, my standard 20% tax". AI fills the form. Tweak the line items. Hit Email to client — the PDF lands in Globex's inbox the same minute. Also hit Save so the invoice goes into your /invoices tracker. Three weeks later, open the tracker dashboard — INV-2026-005 is overdue by four days. Open the invoices AI chat: "draft a polite follow-up to Globex about INV-2026-005". The AI writes a gentle three-paragraph nudge that references the invoice number and original due date. Send. Two days later, paid. Mark as paid in the tracker; your collections rate ticks up.

"I'm budgeting for life events"

Use the baby cost calculator to project the next 18 years of one child. Use the education savings calculator to figure out how much to put aside per month for college. Use the FIRE / retirement calculator to see whether saving for both at once delays your retirement target. Save all three scenarios as favorites and pin them. Open the floating site assistant — "based on what I just calculated, where should I start?" — the AI looks at your favorites and gives a prioritised three-step plan.

"I'm a small business owner pricing my services"

Open the break-even calculator with your fixed costs, variable cost per unit, and target price. Iterate on price until break-even hits a comfortable monthly volume. Open the CAC/LTV calculator next to figure out how much you can spend acquiring a customer. Move to /quote-template, fill with AI "Quote to new client for 4 months of fractional CMO work at $6,500/month, 50% deposit". Send. When they accept and the work begins, convert the quote to a recurring invoice in the invoice generator.

"I'm tracking debt payoff"

Open the debt snowball calculator — list all your debts, balances, rates, minimums. See the monthly payment plan with a payoff date. Open the debt avalanche calculator — same debts, but pay highest-interest first. Compare both side by side. Save the better plan as a favorite. Each month, open the credit card payoff calculator to confirm you're on track. Three months in, open the credit score simulator to see how the payoff is moving your score.

"I'm crypto investing across exchanges"

Use the average buy price calculator to merge your multiple buys at different prices. Use crypto P&L to see where you stand. Use the BTC mining ROI calculator if you're considering hardware. Later, move your trades into the Trading Journal — record entries, exits, fees, exchange. The journal aggregates across all your tickers and shows a unified P&L curve regardless of how many exchanges you use.

"I want to share my pricing menu on a printed poster and track interest"

Start at the QR Code Generator. Enter the destination URL, customize the layout with your brand's colors and shapes, upload your business logo, and enable a foreground gradient. Save it as a Dynamic QR code, which automatically adds it to your QR Codes Tracker. Download the high-resolution PNG, place it on your printed posters, and track scan analytics (scans trend, country, device, and browser) in real-time. If your menu link changes later, simply edit the destination URL in the tracker without reprinting the posters.

"I want to send a quote, then later turn it into an invoice"

Open /quote-template. Fill it. Save. When the client accepts, open the quote, click "Convert to invoice". The invoice opens pre-filled with the client and line items; you just adjust the date / due date / terms and email it. Both stay in your saved-documents library so you can audit the full thread.

"I write about money and my readers keep asking me to do the math"

You run a blog, a course, or a client's site. Open /embed, pick the mortgage calculator, set it to your readers' language and currency, choose the theme that matches your design, and copy the one-line snippet into the post. Now the article that explains how a mortgage works also computes one, on your page, without sending anyone away mid-sentence. Repeat for the loan post, the retirement post, the freelance-rate post — there's no limit, no fee and nothing to maintain: the widgets update themselves, and the CalculatorAI credit under each one is the only condition.

"I'm not sure where to start"

Click the floating AI button bottom-right. Ask "I'm new — what should I do first?". The assistant looks at your account (empty), points you at three starter calculators based on common first-visits, and offers to walk you through any one of them.

"I just want to know what this costs and what happens to my data"

The FAQ answers that in plain terms — what is free forever, what Pro unlocks, what happens to everything you entered when a trial ends, who can read your records, and how to export the lot and walk away. If an answer there reads evasive, the contact form goes to the people who wrote it.

What we believe

Your data stays yours. CSV export is always free, no matter the tier. We never want anyone to feel held hostage by their own numbers.

Privacy is real, not theatrical. Your trades, your invoices, your calculator history — the AI sees them only to help you, never anyone else. We do not use customer data to train models. Auth is via Supabase with row-level security; every database query is scoped to the signed-in user.

No dark patterns. No auto-charge after the trial. No card on file unless you actively subscribe. Cancel from your account page in one click. We track your trial days remaining in the sidebar so you always know where you stand.

The math is free forever. The core compute, the formula explanations, the screenshots, the basic results — none of that ever gets locked behind a paywall. Pro removes caps on AI, saves, and history; it never gates the math itself.

Built for every language. Every page is translated into 10 languages — English, Russian, Chinese (Simplified), Spanish, German, Italian, French, Japanese, Portuguese, Turkish. Your numbers, your currency, your rules — formatted right for where you live.

Ready to start? Get Pro free for 30 days — no card required.