Tools for Financial Clarity

Conscious Daily Choices
Through Clear Data.

SpendWise Lab provides local-first tools to bridge the gap between daily habits and long-term freedom. We transform your raw numbers into clear visualizations, helping you reclaim your money and your time.

The Laboratory

A collection of interactive tools built to help you audit your variables, experiment with different scenarios, and visualize the real impact of your choices.

100% Private: No data is collected.

3 Operational Calculators

Real Hourly Wage

Your paycheck only tells half the story. Uncover your Effective Hourly Rate by auditing the hidden time and capital required to maintain your employment.

Launch Tool

Cost-to-Time Converter

The ultimate reality check. Convert any price tag into the literal hours and weeks of labor required to earn it.

Launch Tool

Subscription Snowball

Visualize the "wealth leak" of small monthly fees compounded over a decade of lost opportunity.

Launch Tool

The Commute Life-Tax

Audit the unpaid years of your life spent in transit and calculate the true value of working from home.

Launch Tool

Fighting Frictionless Spending with Radical Clarity.

Visualization over Speculation

We don't offer generic advice. We provide interactive charts that bridge the gap between today's small habits and tomorrow's wealth.

Privacy-First Architecture

Your financial business is yours alone. Our tools process every calculation locally in your browser—no cloud, no logs, no leaks.

The "What If" Factor

Go beyond tracking. Our simulators let you experiment with lifestyle adjustments to see the compounding impact on your future freedom.

The Lab Philosophy

"We believe the best financial reality check comes from your own numbers. We provide the tools for you to plug in your own variables, experiment with different scenarios, and see exactly how small changes impact your future."

Read the Full Manifesto