PFTOOLS

Free, privacy-first personal finance tools. No accounts. No tracking. No ads. Just the numbers.

Real-Time Calculator
The Finometer

Track compound interest to the second across savings, debt, and loans. See whether your money is beating inflation — or losing to it.

Per-second compound interest across multiple sources
CPI & M2 debasement analysis
Bitcoin sats conversion — live price
What If scenario modeling
Tidbyt companion app support
Launch Finometer
Personal Bitcoin Dominance
PBD

Your Stack, Contextualized. Visualize your Bitcoin holdings — spot and ETF — against the total supply and every other holder on Earth.

Spot BTC + major ETF support (IBIT, FBTC)
ETF shares → BTC equivalent conversion
Compare vs 21M hard cap or adjusted supply
Visual dominance display to 8 decimal places
Fully private — no data leaves your browser
Launch PBD
Couples Tax Calculator
CTC

Split a joint tax refund — or payment — equitably. Enter each partner's income and taxes paid, and CTC shows the proportional fair share for both.

Proportional split based on income contribution
Federal & state taxes broken out separately
IRS & Census Bureau benchmark comparisons
Editable partner names for easy sharing
Fully private — no data leaves your browser
Launch CTC
Retirement Calculator
Quitinator

Figure out when you can quit your job. Model your Quit Number across Bear, Base, and Bull scenarios with per-asset growth rates and import from Finometer or PBD.

4-bucket portfolio: Market, Bitcoin, Metals, Cash
Bear / Base / Bull growth rate scenarios
60-year growth chart with quit-year markers
Import directly from Finometer or PBD exports
Fully private — no data leaves your browser
Launch Quitinator