About
What this is
A financial position diagnostic. You answer a guided set of questions and it returns what one hour of your work actually earns, where you stand on three separate measures, what is costing you most, and the order to fix it in.
It teaches each idea before it asks for a number. If you abandon it halfway you should still leave knowing how to do the arithmetic on paper, which is the point — the app is a calculator with a teacher attached, not a quiz.
What it will not do
It will not give you a score out of a hundred. A single grade would blend three measures that need to stay separate — a person can sell an outcome at a strong rate and still be one week from borrowing, and a score hides exactly that.
It will not invent a number. A figure you have not supplied shows as a dash and a note about where to find it. That rule applies to the app’s own outputs too: a leak it cannot honestly price is drawn striped, without a figure, rather than estimated.
Where your data lives
In this browser, on this device. There is no account, no server and no database. Income, debts and family obligations are the most sensitive numbers most people have, and the safest place for them is a machine you control.
The trade is that clearing your browser data deletes it, and nobody can recover it for you. Export the file
Where the ideas came from
The frameworks this app teaches — the five capitals, the stages of earning, the personal economy pyramid, the stages of financial freedom, and the five kinds of gap — are the work of Dr. Zeeshan-ul-hassan Usmani and are taught in his course. They are used here with credit, not as anybody else's. This app is free, sells nothing, shows no advertising and collects nothing. If he or his team would rather this content was not used this way, say so and it comes down the same day. The arithmetic itself is public and centuries old: income divided by hours, converting a quoted rate to a true annual one, runway, coverage, concentration, break-even.
Not affiliated with, sponsored by, or endorsed by anybody.