Emergency fund calculator
Estimate how many months of essential expenses are covered and how long it may take to reach the target buffer.
Open toolPersonal and business finance MVP
Finance tools for personal, business, and memo planning
These tools use local arithmetic and visible assumptions so the MVP can be useful before data integrations exist.
Planning software only. FinPilot AI does not provide investment, tax, legal, lending, insurance, or accounting advice.
PersonalBusinessCombined
Monthly slack$860Personal
Runway2.9 moBusiness
Draw room$4,000Combined
Guided setup
Choose a user type, save the matching workspace, and keep facts, assumptions, and decisions visible.
Tools
Client-side calculators for the MVP loop
Monthly budget review calculator
Use arithmetic-only outputs to see monthly slack, savings coverage, and a suggested review memo. No data leaves this page.
Open toolRunway and AR calculator
Model baseline and delayed-collection runway with visible assumptions for cash, bills, invoices, payroll, and owner draws.
Open toolRunway calculator
Use simple runway math to compare available cash against monthly burn after collections, committed bills, owner draw, and reserve assumptions.
Open toolInvoice and accounts-receivable tracker
Separate current, overdue, disputed, and at-risk invoices before treating receivables as cash in a runway review.
Open toolRecurring bill and subscription tracker
Make fixed obligations, subscription drift, and upcoming renewals visible before they collide with income or invoice timing.
Open toolSavings goals and emergency fund planner
Compare emergency fund coverage, monthly contribution gaps, and target dates before changing transfers or reducing household flexibility.
Open toolNet worth tracker
Summarize assets, liabilities, liquidity, and month-over-month movement for a practical personal or owner-operator finance review.
Open toolCash-crunch alert planner
Check the next two weeks for low-cash pressure before invoices slip, recurring bills renew, or payroll and household obligations land.
Open toolOwner-operator cash flow planner
See how business cash timing affects household obligations, owner draws, and planning buffers in one local worksheet.
Open toolOwner draw calculator
Compare a target owner draw with business buffer, delayed-invoice pressure, and household cash needs before committing the transfer.
Open toolShareable finance memo export
Turn calculator outputs into a clean household, business, or advisor-ready memo that can be printed to PDF, downloaded, or shared from the browser.
Open toolCSV import and categorization tool
Paste a bank, card, or accounting CSV export, map the columns, apply local category rules, and manually correct transactions before a budget review.
Open toolDebt payoff planner
Compare snowball and avalanche strategies using local arithmetic for balances, APRs, minimum payments, and an extra monthly payoff amount.
Open toolChecklists
Turn calculations into repeatable reviews
Monthly money review checklist
A practical monthly review should end with a few decisions, not a pile of uncategorized transactions.
Open checklistWeekly business cash review checklist
A good operator review makes timing risk visible before it becomes an emergency.
Open checklist