Take control of your money.
Private. Free. Instant.

Visualize your budget, plan your debt payoff, and track your net worth โ€” all free, all private, all running in your browser.

100% private No signup Instant results Works offline

Budget Calculator

Enter your income and spending and watch money flow through a Sankey diagram in real time. Switch between six chart types, check the 50/30/20 rule, set savings goals, and project compound growth over decades.

Sankey flow 6 chart types 50/30/20 check What-if analysis CSV import Sub-categories Savings projection PDF export
Open budget calculator

Debt Payoff Calculator

List your debts and see exactly when you'll be debt-free. Compare avalanche vs snowball strategies side by side, see how much interest each saves, and watch the payoff timeline shrink as you increase payments.

Avalanche vs Snowball Debt-free date Interest saved Monthly timeline Extra payment impact Visual payoff chart
Open debt calculator
Credit card
$8,500
Car loan
$12,400
Student
$24,000
Debt-free in
3 yr 2 mo
Interest saved: $4,218 with avalanche

Net Worth Tracker

List everything you own and owe. See your net worth as a single number and track it month over month with automatic snapshots. Pull debts from the payoff calculator so you only enter them once.

Assets vs liabilities Monthly snapshots Trend chart Pull from debt planner Comparison bar
Open net worth tracker
Net worth
$0
Updated monthly ยท trend over time
Assets
$287,500
Liabilities
$44,900

Compound Interest Calculator

See how your money grows over time with compound interest. Enter a starting amount, monthly contribution, and interest rate โ€” watch the growth chart and year-by-year breakdown update live. Adjust for inflation to see real purchasing power.

Interactive chart Year-by-year table Inflation adjustment Daily/monthly/annual compounding Contributions vs interest split
Open calculator
$500/mo at 7% for 20 years
$260,464
Contributed
$125,000
Interest earned
$135,464

Feature comparison

FeatureBudgetCompoundLoanDebtNet Worth
Interactive chartsโœ“ 6 typesโœ“โœ“โœ“โœ“
CSV / bank importโœ“โ€”โ€”โ€”โ€”
PDF exportโœ“โ€”โ€”โ€”โ€”
Monthly snapshotsโœ“โ€”โ€”โ€”โœ“
Growth projectionโœ“โ€”โœ“ Fullโ€”โ€”
Year-by-year tableโ€”โœ“ Amortizationโœ“โ€”โ€”
Inflation adjustmentโœ“โ€”โœ“โ€”โ€”
Strategy comparisonโ€”โœ“ Term compareโ€”โœ“ Aval. vs Snow.โ€”
Cross-tool syncโœ“ โ† Debtโ€”โ€”โœ“ โ†’ Net Worthโœ“ โ† Debt
Works offlineโœ“โœ“โœ“โœ“โœ“

Start with the one that matters most

Everything saves to your browser. Come back anytime โ€” your numbers are waiting.

Common questions

Is my data really private?
Yes. Everything runs entirely in your browser using localStorage. No data is sent to any server, ever. There are no accounts, no cookies, no analytics tracking your finances.
Can I use these on my phone?
Yes. Every tool is fully responsive. On mobile you can add it to your home screen for an app-like experience that works offline.
How do the tools work together?
The Debt Payoff calculator can push your debts into the Net Worth tracker so you don't enter them twice. Your budget data stays separate since it tracks monthly flow rather than total balances.
What happens if I clear my browser data?
Your saved budgets, debts, and net worth snapshots will be lost. Use the Backup button in the budget tool to download a JSON file you can restore later.
Is this really free? What's the catch?
There's no catch. Currents is a free tool suite. No ads, no premium tier, no data harvesting. It's built to be genuinely useful.