The tools that run the program for you
The book teaches the method. These tools do the work — no spreadsheets, no bank logins, no sign-up. Open any one of them right now.
Everything runs inside your browser. Your statements are never uploaded — not to us, not to anyone.
The full toolkit
Six tools, one for each job the program asks of you. Use them in order the first time, then settle into the rhythm: sorter quarterly, leak detector monthly, dashboard weekly.
Load 90 days of bank CSVs. Every transaction is classified into Need, Want or Leak, ranked into a deletion list, and turned into one number: the surplus you already have.
Run your latest statement each month. New subscriptions, price creep, double-billing and category drift are flagged against your own baseline — a one-page kill list.
Recomputes every daily interest accrual on your loan and offset to the cent, flags any variance against what the bank charged, and prices what one more dollar in the offset is worth.
The build guide for the offset hub, bills account, living allowance and weekly sweep — calculated from your income, with your buffer floor worked out and a printable build order.
A week of plant-based dinners engineered for ingredient overlap, for any household size: one consolidated shopping list sorted by aisle, and a single Sunday prep session.
Your balance against the bank's original plan, tonight's interest, your surplus ratio, the leak trend and the projected debt-free date — the five numbers that matter.
The tools do the work. The book tells you why each one matters — and what to do with what they find.
Mortgage Engineering is built by Crown Money. Their team sets up the loan structure, offset architecture and rate reviews for you — and walks beside you to the final payment. Book a free chat →