Level up your money.
Set your numbers once. CuraMoneta scores your financial health, tracks your net worth, and powers nine quick calculators — all from this screen.
Improve savings rate, emergency fund, and debt to level up.
Your snapshot
Balances for your net worth — saved to this device as you type. Income and debt payments fill in from your calculators (My As-Is); type here to override.
Modules
Nine calculators, each one job. Your snapshot rides along.
Everything here stays on this device
Your numbers are saved in this browser only — never sent to a server, and there is no account to create. That also means clearing your browser data erases them, and they do not follow you to another device. Export a backup file to solve both. How this works, and the honest tradeoffs.
One place for your whole financial picture
CuraMoneta is nine connected calculators and one command center. Each tool works on its own, but they share the numbers you enter — so your income, housing, debt, taxes, savings, and the rest add up to a single view instead of nine disconnected tabs.
A score and a level
The Command Center turns your numbers into a simple score built from three fundamentals — your savings rate, your emergency-fund cushion, and your debt-to-income ratio — and a level from 1 to 10. It is a quick read on financial health and a nudge to improve, not a credit score or a grade.
Enter once, see everywhere
Fill in a calculator and its key figures flow to the others automatically. The more tools you use, the sharper the picture — but you can start anywhere, with the Income or Budget calculator, and add over time.
Private by design
Every number stays in your browser. Nothing you enter is sent to a server, so your whole financial picture is yours alone. Here is exactly how that works, including the honest tradeoffs of keeping data on your own device.
Guides
Plain-language walkthroughs of the questions these tools answer: how much house can you actually afford, and why your raise barely changed your paycheck, what one percentage point costs you, and debt payoff versus an emergency fund, what an extra $100 a month does, is a 3-month fund enough, and the true cost of owning a car, Head of Household versus Single, and what the self-employed should set aside, and when 50/30/20 does not fit your rent.
How to start
You do not need every number at once. Open any calculator — Income and Budget are good first stops — enter what you know, and your level and totals begin to fill in. Come back and add the rest later; nothing is lost between visits on the same device.