One desk for your money decisions
Plan the day you stop working.
FinanceOneDesk is a growing home for clear, private finance calculators — one desk for the numbers behind every money decision. Twenty tools across eight collections, from financial independence and debt to budgeting, investing, protection, property and pensions — plus plain-English guides. No sign-up, no spreadsheets — move a slider and watch the answer arrive.
- No sign-up
- Your numbers never leave your browser
- Free, with optional Pro
Collection 01 · Financial independence
Pick up a tool.
Six calculators that each answer one real question on the road to financial independence. Free to use; Pro unlocks deeper modelling, insights and exports in every one.
FIRE calculator
See your financial-independence number and the exact year your investments could cover your life.
Open tool → Live 02Coast FIRE
Find the moment you can stop saving entirely and let compounding finish the job on its own.
Open tool → Live 03Will my money last?
Model the drawdown years — how long a pot survives at a given spending and withdrawal rate.
Open tool → Live 04Compound interest
The plain engine behind everything here: watch a single sum and steady deposits grow over time.
Open tool → Live 05Your retirement number
Work backwards from the life you want to the pot you need, and the monthly saving to get there.
Open tool → Live 06Savings rate
The single number that predicts your timeline better than income: what share of pay you keep.
Open tool →Collection 02 · Debt & loans
The other side of the ledger.
Independence is about what you build; this is about what you owe. See the true cost of borrowing and the fastest route out of debt.
Collection 03 · Budgeting & net worth
Know where you stand.
Before you plan the future, get a clear read on the present — how your pay is split today, and what you're worth right now.
Collection 04 · Investing & tax
Grow it, and keep more of it.
Two sides of investing: building a portfolio while keeping fees in check, and working out the tax when you finally sell.
Collection 05 · Planning essentials
Build the safety net.
The groundwork under every plan: a cash cushion for when life happens, and a clear view of how inflation quietly reshapes your money over time.
Collection 06 · Insurance & protection
Protect the income behind it all.
Your ability to earn is your biggest asset. These tools size the cover your family would need if you weren't there, and the exposure you'd face if illness paused your pay.
Collection 07 · Property & housing
The biggest purchase of your life.
Two honest answers before you sign anything: the price your income really supports, and whether buying beats renting for someone who'd actually invest the difference.
Collection 08 · Pensions & goals
Fund the future, on autopilot.
The two quiet workhorses of a good plan: the employer match you should never leave behind, and the monthly number that turns any goal into a date.
More on the desk
The desk is growing.
Eight collections are live — from financial independence and debt to property, pensions and goals. See what's coming next on the roadmap.
The roadmap
Retirement-income drawdown planning, more guides, and quality-of-life upgrades — see what's planned.
See the roadmap →Your suggestion
The desk grows around the questions people actually ask. Have one? The contact link is in the footer.
In the worksWhy this desk
One calm desk for
every money decision.
Most finance tools are cluttered, gated behind sign-ups, or quietly harvest your data. FinanceOneDesk takes the opposite path: a centralized place for finance solutions of different natures — each built around a single real question, made visual so you can feel the trade-offs instead of reading them off a spreadsheet.
Everything runs entirely in your browser. No accounts, nothing to install, and your numbers never leave your device. Every calculator stays free; an optional one-time Pro unlock adds deeper modelling, plain-language insights and exports across the whole desk — including the tools still to come.
Questions
Good to know.
Is FinanceOneDesk free?
Yes. Every calculator is free to use with no sign-up. An optional one-time €19 Pro unlock adds deeper modelling, auto-insights, year-by-year tables, scenario saving and CSV + printable reports across all tools — and removes ads.
Do you store my financial data?
No. Every calculation runs in your browser; your inputs are never sent to us or stored on any server we run. Your most recent settings are saved only on your own device. See the Privacy page for the full picture, including how ads work.
How accurate are the calculators?
They’re clear educational estimates, not forecasts. They assume steady, inflation-adjusted returns and don’t model taxes, market crashes or sequence risk. Use them to understand trade-offs and direction, then confirm big decisions with a qualified professional.
What’s coming next?
FinanceOneDesk is expanding into debt & loans, budgeting & net worth, and investing & tax — a single home for finance solutions of every kind. Pro covers current and future tools at no extra cost.
Can I suggest a tool?
Please do — the contact link is in the footer. The desk grows around the questions people actually ask.