Tools

Free tools that run entirely in your browser.

No signup, no ads, no tracking. These utilities and calculators work client-side — your input stays on your device.

Utilities

Available

Create a static QR code that points directly to your link — no redirect middleman, no watermark, no tracking. Download PNG or SVG.

Open generator

Available

See how extra monthly, yearly, or one-time payments may reduce your loan balance, interest cost, and payoff date.

Open calculator

Available

Estimate how a new car payment might affect your future monthly balance, your savings potential, and your cushion against an unexpected expense.

Open simulator

Browse every Balance On Hand simulator for exploring future balance impact, cash-flow tradeoffs, and savings potential.

View simulators

These tools provide estimates and utilities only and do not replace your own judgment. Nothing you enter is uploaded or stored on a server.