Upload your Ledger Spreadsheet. See your debt-free date. Play with what-ifs. None of it leaves your device.
The page sets a Content-Security-Policy header that blocks all outbound network connections after load. No analytics, no telemetry, no cloud sync — nothing to send your numbers to.
Your spreadsheet stays on your machine. The math runs in this tab using a JavaScript port of the open-source Python helper the book describes. Sandbox state is remembered in your browser's localStorage so a refresh doesn't blow it away — also strictly local.
Want proof? Open the tool, then turn off your wifi. Upload a file. Run the projection. It all still works.
or click anywhere in this box to choose a file
It's a tool — projections, not promises. Trust your actual bank and lender statements first, and treat what you see here as a planning aid. Full caveat shows up on the projection screen.
The tool reads the spreadsheet using the v1.0 layout described in the book. Below is what we found and how to fix it.
Then paste it into an email to aaron@aaronaiken.me and I'll take a look.
This is a tool. Tools have bugs. Spreadsheets have typos. Real life happens between payday sessions, and your APR or minimum can change without telling either of us.
If something here doesn't match what you see in your bank or with your lender, trust the real number, not this projection. The math mirrors my own ledger and there are tests pinning it to known answers, but software is software.
Splinched is not financial advice. I'm not a CFP, an accountant, or a licensed anything. This is a tool to help you think clearly about your debt — not a substitute for talking to someone qualified when you need to.
Heads up: the projection lives in your tab only. Close it and the numbers are gone — that's the privacy promise. Reload, re-upload your latest spreadsheet, and you'll see the fresh picture. Your sandbox settings stick around between sessions.