The Privacy-First Financial Suite
Simple, secure, and login-free financial tools. Published by Better Everyone Ltd.
FinTech Lite is a suite of browser-based financial calculators designed to solve a specific problem in the personal finance market: the trade-off between convenience and privacy.
Most modern finance apps require users to link their bank accounts or upload sensitive data to the cloud. Spreadsheets offer privacy but lack usability on mobile devices. FinTech Lite bridges this gap by offering the user experience of an app with the data security of a local spreadsheet.
It is a Progressive Web App (PWA) that runs entirely in the user’s browser. There is no database, no user account system, and no server-side data processing. All user inputs are saved exclusively to the device’s Local Storage, for better privacy.
Why It’s Essential
In an era of data breaches and “subscription fatigue,” FinTech Lite offers a “minimum viable data” approach. It was built for users who want to visualize their finances without handing over the keys to their bank accounts.
- Zero Data Collection: We do not store or see user financial data.
- No Barriers: No sign-up, no onboarding, and no monthly fees.
- Local Storage: All calculations happen locally in your browser, keeping your data private and secure on your device.
The Tool Suite
The platform currently consists of three core utilities, each addressing a specific financial pain point:
1. Debt Destroyer
- Purpose: A debt payoff visualizer.
- Function: Allows users to input multiple debts (credit cards, loans) and an extra monthly payment amount. It mathematically compares the “Snowball Method” (lowest balance first) vs. the “Avalanche Method” (highest interest first).
- Outcome: Users see an estimated debt-free date and total interest savings for both strategies side-by-side, helping them choose the most efficient path.
2. Freelancer Cashflow Tracker
- Purpose: A simplified bookkeeping tool for gig workers and entrepreneurs.
- Function: Acts as an irregular income logger. Users track income and expenses in real-time. It features a unique “Tax Reserve Estimator” that automatically calculates a set-aside amount based on a user-defined tax rate.
- Outcome: Provides an instant snapshot of “Net Income” versus “Revenue,” helping freelancers avoid tax-time surprises.
3. Subscription Auditor
- Purpose: A recurring expense analyzer.
- Function: Users manually list subscription services and their frequency (monthly, quarterly, yearly). The tool normalizes these costs to calculate a total “Monthly Burn” and “Annual Burn.”
- Outcome: Visualizes the cumulative impact of small recurring charges, helping users identify “lifestyle leaks” and subscription creep.
Technical Philosophy
FinTech Lite is built on a “Local-First” architecture using Vanilla JavaScript and Tailwind CSS. By eschewing heavy frameworks and backend databases, the site remains lightweight, fast, and inherently private by design.
Status: Live & Active
- URL: www.fintechlite.com
- Publisher: Better Everyone Ltd
⚠️ Important Disclaimer FinTech Lite provides self-service tools for informational and illustrative purposes only. The content, calculations, and results generated by these tools do not constitute financial, tax, or legal advice.
- Estimations: Tax set-asides and debt payoff timelines are mathematical approximations based strictly on user inputs. They do not account for specific local laws, bank terms, or variable rates.
- No Professional Relationship: Use of these tools does not create a client-advisor relationship with Better Everyone Ltd.
- Consult a Pro: You should always consult a qualified financial advisor or tax professional before making significant financial decisions.