The "Local-First" Philosophy
Your privacy is our priority. Unlike many modern web applications, the Money Metrics & Insights suite operates entirely within your browser on your own computer.
- No Servers, No Accounts: This is a static release. Your financial data is never transmitted to a server, a database, or the cloud.
- Total Ownership: Your numbers remain on your device, ensuring complete privacy and security while you plan.
- Educational Purpose: This tool is designed for personal planning, education, and illustration. It is not financial advice.
Quick Start Guide
Getting up and running requires no installation or technical knowledge.
Step 1: Open the Dashboard
Visit mmi.jameswarren.online in any modern browser (Chrome, Safari, Firefox, or Edge). No download, no account, no setup required.
Step 2: Start Planning
Use the top navigation menu or the cards on the home page to access the tools. Cash Flow is available to all visitors. Debt Drag and Buffer Builder are included in the full bundle.
Detailed Tool Walkthroughs
1. Cash Flow
Your monthly command center. Provides a snapshot of incoming money vs. outgoing expenses.
- Enter monthly net income and categorize expenses.
- Includes UK-specific items like Council Tax.
- Automatic alerts if you exceed budgeting rules like 50/30/20.
2. Debt Drag
Analyze your current debts and the real impact of interest over time.
- Input Balance, APR, and Minimum Monthly Payment.
- Factors in 0% promotional period expiry.
- Simulate "Extra Payments" to see debt reduction in real-time.
3. Buffer Builder
Calculate and plan for your emergency fund and "sinking funds."
- Tracks "runway" based on essential monthly costs.
- Plan for sinking funds (car insurance, holidays, etc.).
- Calculates precise monthly savings needed for future targets.
Data Privacy & Portability
Money Metrics & Insights is a hosted web tool, but all calculations happen inside your browser. Your figures are never sent to a server.
⚠️ IMPORTANT: Browser Drafts
The tool saves a temporary draft inside your browser's local storage. This survives page refreshes on the same device and browser, but will be lost if you clear your history or use Incognito mode.
Permanent Saves (CSV Export)
To securely save your scenario for next time, or to create a permanent backup:
- Look for the "Export Data" button within any of the tools.
- Save the resulting CSV file (e.g.,
debt_drag_summary.csv) safely on your computer. - Next time you open the tool, use the "Import" button to reload your data instantly.
Frequently Asked Questions
Yes. The tool is hosted at mmi.jameswarren.online and opens in your browser. All calculations run locally inside your browser session — no figures are transmitted to a server.
No. This is a browser-based web tool. No third-party software is required.
No. Just visit mmi.jameswarren.online in any modern browser. Nothing to download or install.
It is intended for a desktop experience. The detailed tables and input fields may be difficult to use on smaller screens.
Not necessarily. The tools keep a local browser draft on the same device for convenience, but that draft can disappear if browser data is cleared or the browser is reset.
Export the CSV after each session. Treat the exported CSV as your permanent record and the in-browser draft as a convenience only.
No. This is an educational and illustrative planning tool only. For free, impartial, and confidential financial guidance, visit MoneyHelper.org.uk.
No. Benchmarks such as 50/30/20 and emergency fund targets are illustrative frameworks, not rules or personal recommendations.
Yes. It uses UK-specific categories and terminology and may not suit non-UK users.
No. Student loans are out of scope for this release.
For free UK support, visit MoneyHelper.org.uk.
Yes. AI tools were used during development, but the final product direction, editing, testing, and packaging were completed by the seller.
Email support@jameswarren.online for help with basic usage.