Stop Budgeting. Start Running a System.
No guessing. No spreadsheets. Enter your numbers and get your next move — instantly. Every tool is free, forever.
Use these in sequence and your entire financial system will be set up and running automatically.
Enter your monthly income and see exactly how to split it across your Spend, Save, and Grow accounts using The Pereira 3-Account Method™.
Where your Safety Account lives. Earns 3–5% automatically with zero ongoing effort.
Open Your Account (Free) →Enter your income and monthly expenses. See exactly where your money is going, where it’s leaking, and how much surplus you actually have.
Your Wealth Account home. Fund it monthly and let it compound without lifting a finger.
Start Investing (Free) →Before any big purchase, run it through this. See the real impact on your 3-Account System — not just the sticker price.
Stay within your system and earn rewards on every dollar. No annual fee, no traps.
Get the Card (Free) →Enter your debts and we’ll calculate the fastest, cheapest path to zero — using either the Avalanche (lowest interest cost) or Snowball (fastest wins) method.
Add each debt below. Include the name, current balance, interest rate, and minimum monthly payment.
Avalanche: pay highest interest rate first. Saves the most money overall.
Enter your debts and hit
Calculate to see your paydown plan.
Once your debts are cleared, redirect those payments into your Safety and Wealth accounts. The system handles the rest.
Tools for the big decisions — housing, emergency funds, and the question everyone should be asking: when do I actually win?
Is buying a home actually cheaper than renting right now? Enter your numbers and see the true 5-year cost of each option.
How long until your Safety Account is fully funded? Enter your target and monthly contribution to see your exact timeline.
At your current savings rate and investment return, when do you reach financial independence? See your exact FI number and timeline.
These free financial calculators are designed to help you build a money system without budgeting. Our free financial calculators include the 3-Account System simulator, debt paydown optimizer, cash flow visualizer, and affordability tool. Use these free financial calculators to map your income, calculate your ideal account splits, and take control of your money in minutes.