POQT tools

POQT What's stressing your money?

Feel the answer first. Numbers after. No jargon.

Pick a situation

Start from a real situation

Where should my paycheck go?

Get a budget split for your income, home, and family.

Card debt is crushing me

Watch minimums trap you, then find an escape payment.

Card plus a loan

See which payoff order frees you sooner.

Is this purchase worth my time?

Price delivery or a phone in minutes of your work.

Subscriptions I forgot

See the yearly leak. Shut the ones you don't need.

Paycheck to paycheck

See if your cash lasts until payday.

Saving for something big

Set a goal and see when you arrive.

Make my money grow

Start with a balance and see what monthly contributions can become.

Browse every tool

Start with a plan

Give every part of your pay a job, tuned to where you live.

Needs52%

Lifestyle28%

Future20%

Don’t know where my money should go

Suggested budget

Enter your take-home pay, home, kids, and debts. Get a best-practice split for your country, line by line.

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Debt & cards

See when you get free, and which order wins.

Today

Oct

2026

Free

Apr

2028

Stuck on a credit card

Credit card trap

See where each payment goes. Watch interest eat the minimum. Find the payment that sets you free.

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Highest rate firstJun 2028

Too many debts

Which debt dies first?

Add your debts and extra you can pay. See which order frees you sooner.

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Cash this month

Payday, bills, subscriptions, and what purchases cost in work time.

Days until payday

3 days short

Can't make it to payday

Payday runway

Cash, daily spend, and next payday. Check if you make it before the account hits empty.

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Tightest day: 3 ($1,400.00)

Bills hit on bad days

Bill crunch heatmap

Place bills on the month with payday. See which days cash gets tight.

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One year of leaks

$1,200.00/ yr

Subscriptions eating money

Subscription drain

List every subscription. Shut the ones you forgot. See the yearly hole shrink.

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One workday · 8 hours

18/32

4h 30m

Don't feel what things cost

How much life does this cost?

Price a purchase in work time. See how many minutes of your life it eats.

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Save, grow, check in

Goals, compounding, inflation, and a quick health score.

Today

Oct

Goal

Apr 2028

Want a savings goal

Savings goal timeline

Set a goal, what you already saved, and a monthly amount. Or pick a date and see what you need to save.

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NowGrowth

Want money to grow

Compound growth

Starting amount plus monthly contributions. See growth over time, or work backward from a target.

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Later

Today

Money buys less

Inflation eroder

See how inflation cuts purchasing power, and what you would need later to keep the same lifestyle.

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Don't know if I'm okay

Financial health dial

A short quiz with a 0–100 score, a breakdown, and one tip for your weakest area.

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