Financial Tools for Everyone.
CFP Software That Doesn't Cost a Fortune.
Free calculators. No signup, no BS. CFP software with all the features you actually need, without the enterprise price tag.
25+ Free Financial Calculators
Free. No signup.
Runs in Your Browser
Everything runs locally. Your numbers never leave your computer.
Actually Tested
We've got over 1,000 automated tests running to make sure the math's right. Because wrong retirement calculations kinda suck.
Works on Your Phone
Works on phones, tablets, whatever. No app to download.
Retirement Calculator
Plan your retirement savings and estimate your future nest egg
PopularMortgage Calculator
Calculate monthly payments and total interest on your home loan
PopularCompound Interest
See how your investments grow over time with compound returns
Popular401(k) Calculator
Maximize your employer match and plan your retirement contributions
Savings Goal
Determine how much to save each month to reach your financial goals
Loan Calculator
Compare loan terms and understand your monthly payment obligations
CFP Software That Actually Works
All the features you need. Way cheaper if you're just getting started.
Account Sync
Pulls in data from banks, brokerages, credit cards, loans, mortgages, and insurance. Updates daily so you're not manually entering everything.
OCR for PDFs
Upload a statement PDF and it'll extract the data. Gets smarter when you fix mistakes.
16 Trust Types
ILIT, GRAT, QPRT, SLATs, and 12 more. eMoney and RightCapital typically offer 4-8.
IRMAA QCD Calculator
Helps clients avoid Medicare premium surcharges with QCD timing. Includes DAF bunching and 4 different CRT types.
Separate Spouse Logins
Each spouse gets their own login. Changes sync in real-time. Useful for seeing if they're on the same page financially.
4 Life Insurance Methods
Human Life Value, Needs Analysis, Capital Retention, and Income Replacement. Most software only has one or two.
Roth Conversion Planning
Multi-year tax bracket modeling to figure out the best years to do Roth conversions.
Monte Carlo Simulations
Runs 10,000+ retirement scenarios with market volatility and longevity risk baked in.
Everything You Need
- Monte Carlo retirement simulations (10,000+ iterations)
- Social Security optimization engine
- IRMAA-optimized QCD calculator
- 16 trust types for estate planning
- 4 life insurance calculation methodologies
- 50-state pension analysis
- Roth conversion optimization
- Tax-loss harvesting strategies
- Cash flow modeling and projections
- Multi-scenario planning and comparison
- White-label branding customization
- Client portal with document vault
- Integrated billing and subscriptions
- Separate spouse login system
Actually affordable for solo CFPs. Way cheaper than eMoney when you're starting out.
Why Thy.Finance?
Privacy, accuracy, and honest pricing
Your Data Stays Private
Free calculators run in your browser. Your numbers never hit our servers. CFP data is encrypted and we're not selling it to anyone.
Actually Tested
We've got over 1,000 automated tests running against IRS guidelines and industry standards. Wrong math ruins retirements.
No Surprises
Free stuff is actually free. CFP pricing scales with how many clients you have. No hidden fees.
Stuff That's Broken in Other Software
Problems CFPs keep complaining about
Manual Data Entry Sucks
You're spending half your time typing in account balances
OCR and account sync handle it for you
eMoney is Expensive
$10K/year when you're just getting started
We're way cheaper for solo CFPs. Scales as you grow.
Missing IRMAA Tools
Most software ignores Medicare premium planning
Built-in QCD calculator that accounts for IRMAA thresholds
Limited Estate Planning
Only basic trusts. Nothing for complex estates.
16 trust types including ILIT, GRAT, QPRT, SLATs
Sharing Login Credentials
Couples have to share one login. Gets messy.
Each spouse gets their own account. Syncs in real-time.
Weak Retirement Projections
Simple straight-line projections that don't model reality
Monte Carlo with 10,000+ scenarios and probability analysis
Hidden Family Issues
Can't tell if spouses are aligned. Financial abuse hard to spot.
Separate logins show you if there are conflicts
Confusing Client UIs
Clients get overwhelmed in meetings. Too many numbers.
Clean dashboards that don't require a finance degree
Give It a Shot
Try the free calculators or sign up for the CFP software