Free tools
Free personal-finance tools
Small, fast calculators that run entirely in your browser — no signup, no ads, nothing stored. Built by the team behind moniya.
Start tracking freeNo card required.
- Currency converterConvert between 18 currencies at live ECB reference rates — with the exact date each rate was fixed.
- Net worth calculatorAdd what you own, subtract what you owe — a private, in-browser net worth snapshot.
- Subscription cost calculatorSee what your subscriptions really cost — per month, per year, and over five years.
- Daily budget calculatorTurn monthly income, fixed costs, and a savings goal into a daily safe-to-spend number.
Like the tools? The app does this all day.
moniya tracks your spending across 18 currencies with AI capture — scan a receipt or say it out loud, review the draft, done.
Start tracking free
No card required.