A calm place to plan your money.

Harbor is a small set of calculators for the questions people actually ask between paychecks: Can I pay this off? What’s left of this check? Will next spring go red?

It is not a bank. It doesn’t connect to accounts, import transactions, or tell you what to buy. The three tools run in your browser. Plans stay here unless you choose to email a summary or unlock Pro to save them.

The numbers are meant to match the paid Excel and Google Sheets workbooks — same Snowball / Avalanche waterfall, same leftover-after-bills cards. Use the free web tool to try a plan. Buy the spreadsheet when you want a log, due dates, or a file you can keep.

Nothing here is financial advice. If a minimum payment doesn’t cover interest, the calculator will say so. That’s a math warning, not a product pitch.

How we handle numbers, email, and Stripe is in Privacy. Buying Pro or a template is covered by Terms.