What do I have?
Your net position: everyday cash plus emergency savings, minus every balance you owe. One figure, with the three components beneath it.
Free money tools · Kuuni Partners
Know where your money stands in about fifteen minutes
KuuniFinance is a free personal money dashboard and four planning tools — a monthly budget builder, emergency fund builder, debt payoff planner, and savings goal planner. You enter your own figures and it answers four questions: what you have, what is coming up, what you are spending, and what to do next. There is no account and no bank connection, and every number stays in your browser.
- Free No account, no paid tier
- Private No network calls, nothing uploaded
- 4 tools Budget, emergency fund, debt, goals
- 0–100 Readiness score across four pillars
What the dashboard answers
Four questions, each answered by its own panel, in the order a person actually asks them.
What is coming up?
Every dated bill and debt minimum landing in the next 30 days, in date order, with anything due within three days flagged.
What am I spending?
Monthly spending against income, split into needs, wants, and savings, and compared against the 50/30/20 guide.
What should I do next?
Up to four ranked actions drawn from your own numbers. A monthly shortfall always leads, because you cannot fund savings out of a deficit.
The four tools
Each writes into the same data, so editing one updates the dashboard immediately.
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Monthly Budget Builder
Income and expenses, each expense tagged a need, want, or saving, with an optional due day. Returns your surplus, savings rate, and actual split against the 50/30/20 guide.
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Emergency Fund Builder
Your target is essential spending multiplied by the months of cover you choose. Shows months currently covered, the shortfall, and the date you reach the target at your contribution.
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Debt Payoff Planner
Balances, rates, and minimums in; payoff date, total interest, and the order each balance clears out. Compares avalanche against snowball, and against paying minimums only.
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Savings Goal Planner
Target, amount saved, monthly contribution, and interest rate give you a completion date. Set a deadline instead and it works backwards to the contribution required.
How the readiness score works
A single number from 0 to 100 across four weighted pillars. Each pillar is measured against a stated benchmark, so the score is auditable rather than a black box.
| Pillar | Weight | Full marks at |
|---|---|---|
| Emergency cushion | 30% | Six months of essential expenses saved |
| Monthly cash flow | 25% | At least 10% of income left unassigned each month |
| Debt load | 25% | Monthly debt payments at 0% of income; zero score at 36% |
| Savings rate | 20% | Saving 20% of income, including budgeted savings and surplus |
Bands are Getting started (0–39), Building (40–64), Steady (65–84), and Resilient (85–100). With no income recorded the score is withheld rather than guessed, because "no debts entered" must never be scored as "debt-free".
Avalanche or snowball: which debt method is better?
Avalanche always costs less in total interest. Snowball clears individual debts sooner, which some people need to stay with the plan. KuuniFinance calculates both from the same figures so the trade-off is a number rather than an opinion.
| Avalanche | Snowball | |
|---|---|---|
| Pays first | Highest interest rate | Smallest balance |
| Total interest | Lowest possible | Equal or higher |
| Time to debt free | Equal or shorter | Equal or longer |
| First win arrives | Later | Sooner |
| Best for | Paying the least money overall | Staying motivated through a long plan |
Key terms, defined
The handful of terms the tools use, in plain language.
- Emergency fund
- Money set aside to cover essential expenses if income stops or an unexpected cost lands. Measured in months of cover: three to six months is the common benchmark, and one full month is the first milestone worth reaching.
- Debt-to-income ratio (DTI)
- Your total monthly debt payments divided by your monthly income. Under 36% is generally considered manageable; above that, debt service starts crowding out saving and most lenders treat it as a risk.
- Savings rate
- The share of take-home income you keep rather than spend, counting both money you deliberately budget to savings and any surplus left unassigned. A 20% rate is the common target.
- Essential expenses
- The bills you cannot easily stop paying — housing, utilities, groceries, insurance, transport, childcare, and minimum debt payments. These set the size of your emergency fund target.
- Payment roll-over
- Keeping your total monthly debt payment constant as balances clear, so the payment freed by a cleared debt is added to the next one. This is what makes avalanche and snowball finish faster than paying each minimum separately.
Frequently asked questions
Does KuuniFinance connect to my bank account?
No. KuuniFinance does not connect to banks and has no login. You enter your own figures, and they are stored only in your browser on your own device. The application makes no network calls, so nothing is uploaded or shared.
Is KuuniFinance free?
Yes. KuuniFinance is free to use, requires no account, and has no paid tier. It is published by Kuuni Partners, a tax, accounting, and CFO advisory firm in Lawrenceville, Georgia.
How much should I keep in an emergency fund?
A common benchmark is three to six months of essential expenses — rent or mortgage, utilities, groceries, insurance, transport, and childcare. One full month is the first milestone worth reaching, because it is the point at which a small surprise stops turning into new debt. Households with variable or single incomes often target nine to twelve months.
What is the 50/30/20 budget rule?
The 50/30/20 rule allocates take-home pay to three buckets: up to 50% for needs, up to 30% for wants, and at least 20% for savings and debt repayment beyond minimums. KuuniFinance's budget builder tags every expense as a need, want, or saving and shows your actual split against those targets.
What happens to my data if I clear my browser?
It is deleted, because your browser is the only place it was ever stored. Use the export button on the tools page to save a copy as a file first, and the import button to load it back.
Is this financial advice?
No. KuuniFinance performs arithmetic on figures you supply and is for general information only. For advice on your own situation, speak to a credentialed advisor — Kuuni Partners offers a free 30-minute consultation.
Start with whichever number worries you most
The dashboard works with sample data the moment you open it, so you can see what it does before typing anything of your own.