Tools for Smarter Financial Clarity
Practical personal finance tools for clearer, calmer money decisions.
Start with our free calculators or explore downloadable Excel tools for deeper control.
Why Lunoxa
Instant Clarity
See exactly what’s free to spend — no spreadsheets, no guesswork. Our tools turn numbers into clear daily guidance.
Privacy by Default
No tracking, no accounts, no ads — just quick results on your device. Your information never leaves your screen.
Transparent Math
See how the calculation works — no hidden assumptions.
Tools that help you make sense of your money
We build simple tools that turn everyday financial questions into clear answers. Safe-to-Spend Today is our first release, with more tools on the way as we expand the platform.