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.
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.
Frequently asked questions
Is CuraMoneta free?
Yes. All nine calculators and the Command Center are free to use.
Do I need to create an account?
No. There is no sign-up, and your data stays in your browser rather than on our servers.
How is my financial level calculated?
From three fundamentals — your savings rate, emergency-fund months, and debt-to-income ratio — combined into a score that maps to a level from 1 to 10.
Do my numbers leave my device?
No. Every calculation runs in your browser, and the numbers you enter are stored only in your device’s local storage.
Do I have to fill in every calculator?
No. Each one works on its own, and your overall picture simply gets sharper as you add more of them.
Will I lose my saved data?
It is saved in your browser on this device. Clearing your browser data, or using the reset link, will remove it.