32 tools
Private finance calculators & statement tools — no upload
Finance Desk runs its calculators and statement parsing locally, so your numbers and bank files stay on your device. These tools are informational and not financial advice.
There is no upload endpoint — your files are processed in this browser tab. Open your network tab and check. See how it stays private.
All 32 tools in Finance Desk
- Loan & mortgageCompute monthly payments and a full amortization schedule, with extra-payment payoff — all in your browser.
- Compound interestProject growth of savings with recurring contributions, or solve for the deposit needed to hit a goal.
- Retirement / FIREEstimate your FIRE number and years to financial independence from savings rate and returns.
- DCA simulatorModel periodic investing at an assumed return and see contributions vs. projected value.
- APR ⇄ APYConvert between nominal APR and effective APY for any compounding frequency.
- Debt payoffCompare snowball and avalanche payoff strategies across multiple debts locally.
- Inflation & PVSee how inflation erodes purchasing power and compute present or future value.
- ROI & break-evenCompute return on investment, annualized ROI, and break-even units on your device.
- Currency converterConvert between currencies with rates you enter — no network calls, fully offline.
- Import & analyzeImport CSV/Excel, OFX, QIF, CAMT.053, or MT940 statements, categorize, dedupe, and chart spending — locally.
- Budget builderBuild an envelope / zero-based budget and compare planned vs. actual spending.
- Cash-flow forecastForecast your running balance from recurring income and bills over the coming months.
- Net worthTrack assets and liabilities to compute net worth, saved on-device.
- SubscriptionsList recurring subscriptions and see normalized monthly and annual totals.
- RebalancingCompare target vs. current allocation and get buy/sell amounts to rebalance.
- CAGR & XIRRCompute CAGR and money-weighted XIRR from irregular cash flows locally.
- DividendsTrack holdings, yields, and projected annual dividend income.
- Position sizingSize a position from account risk %, stop distance, and reward-to-risk.
- Income taxEstimate income tax from dated, per-country brackets. An estimate, not advice.
- Capital gainsEstimate short- vs. long-term capital gains from buy/sell lots. An estimate, not advice.
- VAT / GST / sales taxAdd or extract tax from a gross or net amount using your region's rate.
- Invoice / receiptBuild a professional invoice and export a PDF — generated entirely in your browser.
- Tax bracketsBrowse indicative income-tax brackets by region and year.
- Contribution limitsReference contribution limits for retirement and tax-advantaged accounts by region.
- Sales-tax ratesReference indicative VAT, GST, and sales-tax rates by region.
- Mileage ratesReference indicative business mileage reimbursement rates by region.
- Currency codesSearch ISO 4217 currency codes, symbols, and minor units.
- Statement redactorMask account numbers and IDs in statements before sharing — detection runs locally.
- Encrypted exportEncrypt a finance JSON export with a passphrase (AES-256-GCM) and decrypt it later.
- Finance data roomBundle statements and reports into a single offline, passphrase-locked HTML data room.
- Live FX ratesOptionally fetch exchange rates from an endpoint you choose (subject to CORS).
- Live quotesOptionally fetch a quote from an endpoint you supply (subject to CORS).