Cash flow
Put one month of take-home income and planned outflows in the same view. See a buffer or shortfall without an arbitrary grade.
Loading…
Loading…
Free · no account · private by default
Build a one-month cash-flow view, estimate a debt payoff, or explore compound growth. You bring the assumptions; Koydo shows the math and keeps your numbers in this browser.
Designed for trust
Your numbers stay local
No bank connection, account, analytics event, or server save is needed to use the tools.
Assumptions stay visible
Rates, time periods, and simplified model boundaries appear beside the results.
No pass/fail judgment
The lab describes the arithmetic instead of grading your life or telling you what you can afford.
One focused workspace
Current consumer guidance favors concrete tracking and transparent assumptions. Each tool starts with values you can verify rather than a hidden score or a promised outcome.
Put one month of take-home income and planned outflows in the same view. See a buffer or shortfall without an arbitrary grade.
Estimate payoff time and interest from the balance, annual rate, and monthly payment you enter.
Explore lower, entered, and upper scenarios using your own estimated annual rate and uncertainty range.
What the tools do
Calculations happen in your browser. The lab can help you notice a cash-flow mismatch, understand how payment size changes a debt timeline, or see how sensitive compound growth is to an assumed rate.
What the tools do not do
Koydo does not determine affordability, forecast a return, file taxes, connect to lenders, or replace professional advice. Real outcomes can change with fees, taxes, timing, variable rates, and personal circumstances.
No. The Money Decisions Lab does not connect to financial accounts, import transactions, or ask for account credentials.
The current version stores entries only in local browser storage on the device and browser you use. Koydo does not receive the values.
No. They are educational estimates based on your inputs and simplified assumptions. Important decisions should be checked against current statements and qualified professional guidance.
No. The three current tools are free and require no account, trial, card, or subscription.