Free tools for paying down debt and building savings. They work on phones and computers, and you don't need an account.
Add the CSV files from your bank and card websites and see your spending by category against your plan, by month or by paycheck.
Open the budget trackerClaude asks you a few questions at a time: your pay, bills, debts, savings and goals. Then it builds a five-year plan around your answers, with a monthly budget, a debt payoff timeline, yearly milestones and a checklist for this month. A free Claude account works.
The button opens Claude in a new tab with the prompt filled in. If the message box is empty, tap Copy the prompt and paste it there.
Your data stays with you. What you type into the budget tracker is saved only in your own browser on your own device. Nothing is sent anywhere, and nobody else who opens these pages can see it. To keep it somewhere safer, use Save to Claude (your data goes into a chat in your own Claude account) or Save backup file (on a phone, save it to Files, iCloud Drive or Google Drive). Your 5-year plan lives in your own Claude chat.
On a phone, use your browser's "Add to Home Screen" to open these like an app. These are planning tools, not financial advice.