Financial Ideas
Personal-finance app, utility, report, and integration ideas — investing, budgeting, saving, reward stacking, discounts, debt, and taxes.
6 artifacts
Quarterly Tax Estimator
A Python script that turns a simple income config into a quarterly IRS payment schedule — built for anyone earning 1099/freelance income alongside a W-2 job.
Debt Payoff Strategy Comparator
Side-by-side avalanche vs. snowball calculator — enter your debts and see instantly which method saves you more money and gets you debt-free faster.
Schwab Portfolio Drift Alert
Pulls your Schwab positions daily, applies the Bogleheads 5/25 rebalancing rule, and logs a color-coded drift report to Google Sheets — so you always know when (and how much) to rebalance without…
Monthly Cash Flow Report
A parameterized monthly financial snapshot — income vs. spending by category, savings rate vs. U.S.
Cd Ladder Planner
A Python script that splits your savings across staggered-term CDs, projects interest per rung, and benchmarks the result against a HYSA and a traditional savings account — so you know exactly how…
Credit Card Category Optimizer
A browser app that tells you which card in your wallet earns the most for each spending category — and how much extra you're leaving on the table by not optimizing.