Steward

The honest arithmetic of a household: a budget, a savings rate, and cost destroyed — money you did not spend, kept in your own currency. Every number below is sealed and re-checkable.

What Steward will not do: move money — buy, sell, transfer, pay, deposit, withdraw, or invest (that stays your own action) — and it gives no personalized investment advice. It shows and plans; it never moves anything.

Build a budget

Your monthly income, and what you spend it on. Nothing here is stored or sent anywhere except this one calculation.


Cost destroyed

Money you did not spend — a bill you lowered, a subscription you cut, a rate you renegotiated. "Was" vs. "now"; the difference is kept in your currency, not metered by us.