Finance Tools That Respect Your Privacy
Tired of apps that demand your bank login? Get clarity without the hassle. Our free financial calculators help you visualize money without spying.
No Sign-Up Required • No Bank Linking • No Data Collection
The Tool Suite
Easy money management tools for non-techies to visualize 'spend and save'.
Debt Destroyer
A simple debt free date calculator. Compare the Snowball vs. Avalanche method instantly without an app.
- • Model credit card payoffs
- • Easy loan payoff planner
- • Visual payoff timeline
Freelancer Tracker
A private freelance budget tracker. Track irregular income and calculate tax estimates on the fly.
- • Self-employed expense tracker
- • Gig worker tax estimator
- • Export to CSV (Excel-ready)
Subscription Auditor
Find your "Monthly Burn." An audit recurring payments tool to help you spot subscription creep.
- • Monthly burn calculator
- • Cancel hidden fees tracker
- • See annual costs instantly
Your Finances, Your Data. Period.
We built FinTech Lite because we wanted tools that empower, not track, your every move.
Privacy First
Our tools run 100% in your browser. The data you enter is stored on your own device via "Local Storage." We never see it, and we never will. It's the ultimate DIY finance tool.
No Login Required
Skip the registration forms. We don't want your email, your bank login, or your credit card. Just open the tool and get your answer instantly. This is no login budgeting at its best.
Better Than Templates
Spreadsheets can be clunky, especially on mobile. Our mobile web calculators offer the power of a spreadsheet with the simplicity and responsiveness of an app.
Tools for Financial Clarity
We don't try to do everything. We just build specific tools for the most common financial headaches.
- Credit Card Debt: Compare Snowball vs. Avalanche methods to explore the most efficient potential debt payoff route.
- Freelance Chaos: Use our irregular earnings logger to track income and estimate tax reserves without expensive software.
- Subscription Leaks: A private bill scanner to review your recurring bills, find your "Monthly Burn," and visualise costs.
Simple. Free. Private.
What Our Tools Are
- • Illustrative Models: They provide mathematical estimates based on the numbers you enter.
- • Self-Service Utilities: Designed to help you visualize scenarios and organize your own data.
- • Private & Local: Tools that process data on your device without sending it to us.
What Our Tools Are Not
- • Not Financial Advice: We do not offer personalized recommendations or fiduciary guidance.
- • Not a Substitute for Professionals: Our tools cannot account for complex tax laws or bank terms.
- • Not Guarantees: "Debt-free dates" and "tax estimates" are approximations, not promises.
Frequently Asked Questions
Common questions about our free money management tools.
Is FinTech Lite really free?
Yes. We provide a free debt repayment calculator and budgeting tools with no sign-up required. We support the site through unobtrusive advertising and affiliate partners, so you never have to pay a subscription fee.
Is my financial data safe?
Absolutely. We are a privacy safe debt tracker. Unlike other apps, we utilize a "Local Storage" architecture. This means the data you enter (like debt balances or freelance income) is saved only on your specific device. It is never transmitted to our servers or the cloud.
Can I compare the Snowball vs. Avalanche method?
Yes! Our Debt Destroyer tool is designed specifically to compare Snowball vs Avalanche without an app. You enter your debts once, and we show you the payoff timeline and interest savings for both strategies side-by-side.
Is this good for freelancers with irregular income?
It's perfect for that. Our Freelancer Tracker acts as an irregular earnings logger. You can add income as it comes in, track expenses, and it will automatically calculate a "Tax Reserve" estimate so you aren't caught off guard at tax time.
Can I export my data to Excel?
Yes. All our tools include a "Export CSV" feature. This effectively gives you a free income expense template or debt plan that you can open in Excel, Google Sheets, or Numbers for further analysis.