Free tools
Free personal finance tools that run in your browser.
No signup, no account, no data sent to a server. Every calculator below runs entirely in your browser, with live ECB exchange rates where currency conversion is needed. Built for expats, cross-border savers, and anyone who has outgrown a spreadsheet.
- Multi-currency, FX risk Multi-Currency Net Worth Calculator Add assets and liabilities in any of 29 currencies. See your net worth in your spending currency with live ECB rates, then check how much sits in currencies you do not actually spend in.
- Borrowing decisions Loan Comparison Calculator Compare two or three loan offers side by side. APR, total cost of borrowing, refinancing scenarios, and per-vendor amortisation, without a spreadsheet.
How these tools work
- All calculation runs in your browser. The numbers you type, the values you upload, and any results are kept on your device. They are not sent to nidhi or to any third party.
- Live ECB exchange rates where needed. When a tool needs a currency conversion, your browser fetches reference rates from the Frankfurter API (a free, open mirror of European Central Bank reference rates). The request includes only your selected functional currency, not your asset data.
- No signup, no account, no email needed. The tools are usable straight from the page. Optional shareable links encode your inputs into the URL itself, which means you control whether to share, and with whom.
- Educational, not advice. Each tool shows you the math behind the answer and the assumptions it makes, so you can apply the same logic to your own situation. For decisions that matter, talk to a qualified professional.