Your calculators, with memory
A calculator answers a question once. A plan keeps answering it. Save a result, log what you actually pay or save, and the projected date moves with you — all held in this browser, with nothing to sign up for.
How it works
- 1
Calculate
A plan starts from any calculator that supports one. The figures entered there carry across, and nothing about how the calculator behaves changes.
- 2
Save it as a plan
The figures you entered carry across, and the projection at that moment becomes the plan's baseline.
- 3
Log your progress
Each entry re-runs the calculation and shows how far the projected date has moved from that baseline.
Calculators to start from
Debt Payoff Calculator
Balance, rate and payment in — a debt-free date out.
Savings Goal Timeline
How long a target takes at your monthly amount.
Compound Interest Calculator
What a balance and a monthly contribution grow to.
Mortgage Overpayment
What paying extra each month does to the term.
Everything stays in your browser — nothing to sign up for. See every calculator that supports plans.
What a tracked plan does
The gap between a calculation and a result is time. A debt payoff calculator can show that a balance clears in six years, but that figure assumes every payment lands as modelled, and it says nothing about the month you paid an extra hundred or the month you paid nothing at all. A plan closes that gap by keeping the original figures and re-running the same arithmetic against what has actually been logged.
The mechanism is deliberately plain. When a plan is created, the projection at that moment is stored as its baseline. Each log entry is folded into the inputs — a payment reduces the balance it was recorded against, a deposit adds to the running total — and the calculation runs again through the same engine that powers the calculator it came from. The difference between the new projected date and the baseline is what appears as "42 days sooner". No separate model, no second set of assumptions.
Five kinds of plan are supported. A debt payoff plan simulates several balances month by month, applying each minimum payment and rolling the extra onto one debt at a time, which is what makes the snowball and avalanche orderings produce different totals. A savings goal plan and an investment growth plan both solve for the month a target is reached, one with a savings rate and one with an expected return. An overpayment plan runs a loan schedule twice, with and without the extra payment, so the interest difference is measured rather than estimated. A net worth plan records a position instead of a projection, because net worth has no completion date to move.
Progress is measured against the plan's own starting point, and the four milestone bands at 25%, 50%, 75% and 100% mark where a plan sits on that scale. Those bands describe the arithmetic and carry no external standing — a plan at 50% is halfway through the balance it started with, nothing more.
On storage and privacy
Plans live in this browser's localStorage and nowhere else. There is no account, no server, and no bank connection, which means there is also no sync: a plan created on a laptop will not appear on a phone. That is a deliberate trade. The dashboard can export every plan as a JSON file and import one back, which is the intended route between devices and the way to keep a copy before clearing browsing data.
What the projections are and are not
Every figure on a plan is an arithmetic illustration built from the numbers entered, on the assumption that they continue unchanged. Interest rates move, incomes change, and months get missed, so a projected date is a description of what the current figures imply rather than a statement about what will happen. The comparison between two scenarios works the same way: it reports the difference the arithmetic produces under each set of inputs, and leaves the choice between them entirely with the reader. For decisions with tax, legal or regulatory consequences, a qualified professional is the right reference.
Questions about plans
- What is a plan on FinToolSuite?
- A plan is a calculator result you have saved so it can be tracked over time. It keeps the figures you entered, and each time you log a payment, deposit or balance it re-runs the same calculation and shows the updated projected date. A calculator answers a question once; a plan keeps answering it as your figures change.
- Where is my plan data stored?
- In your browser, using localStorage. There is no account to create and nothing is sent to a server, so plans do not sync between devices or browsers, and clearing your browsing data removes them. You can download a JSON copy at any time from the dashboard and import it into another browser.
- How does logging a payment change the projected date?
- Every log entry is folded into the figures before the projection runs again. A payment reduces the balance it was logged against, a deposit adds to the running total, and a net worth entry replaces that item’s balance. The recalculated date is then compared with the projection recorded when the plan was created, which is where the "sooner" or "later" figure comes from.
- Which calculators can become a plan?
- Calculators that produce a trackable trajectory: debt payoff and snowball or avalanche tools, savings goal and emergency fund tools, compound growth and financial independence tools, and mortgage or loan overpayment tools. Where a calculator can seed a plan, a "Turn this into a Plan" card appears directly beneath its result.
- Are the projections a forecast of what will happen?
- No. Each projection is an arithmetic illustration based on the figures entered and the assumption that they continue unchanged. Real interest rates, contributions and balances move, so the projected date shifts as you log actual progress. The tool describes what the numbers imply; it does not predict outcomes or advise on a course of action.
Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.