SMALL, USEFUL UTILITIES

Tools that do one job well.

Free browser-based utilities with clear inputs, transparent assumptions, and no account required.

A-share quality score

A post-close screen of 10 candidates across quality, growth, valuation, momentum, and risk, with observation zones and exit discipline.

Estimate per-request and monthly cost from input, cached-input, and output tokens, then test cache savings and budget capacity.

Build an explainable target from essential spending, income runway, one-off exposure, and current savings.

Model daily, monthly, or annual contributions, fee drag, purchasing power, goal gaps, and required contributions.

No stock presets: enter your own price, dividend, tax, and reinvestment assumptions, then stress-test a dividend cut.

Estimate a portfolio target from annual spending and a planning withdrawal rate.

Estimate a fixed-rate loan's monthly payment, total repayment, and interest cost.

See how inflation changes future costs and the purchasing power of money.

Add assets and liabilities to get a clear snapshot of personal or household net worth.

USAGE PRINCIPLES

Short-term cash and emergency reserves prioritize safety and access; a long-term return assumption cannot repair a liquidity gap.

Returns, inflation, traffic, tokens, and cache hit rate are variable assumptions. Test low, middle, and high cases.

After launch, replace defaults with bills, usage records, real spending, and actual behavior.

Tools are educational aids. They run in your browser and do not collect the values you enter.