The tools that run the program for you
The book teaches the method. These six tools do the work — no spreadsheets, no bank logins. All six are included free for 12 months when you get the (free) program.
Payoff Calculator
See what an engineered surplus does to your loan — no sign-up needed.
Assumes principal-and-interest repayments at a constant rate over a 30-year term, interest compounding monthly. General information only — not personal advice or a quote.
The program's AI audit finds the surplus. The automation makes it stick. Or let Crown Money do it with you →
The full toolkit
Free for 12 months with the book (a $197/year value). Register free and your toolkit account arrives by email at launch.
Upload 90 days of bank CSVs. Every transaction is classified into Need / Want / Leak and ranked into a deletion list — your starting surplus, found in minutes.
Once now, then quarterly
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.
Last Sunday of the month
Recomputes every daily interest accrual on your loan and offset statements, to the cent, and flags any variance in what the bank actually charged.
Monthly, 10 seconds
The bank-by-bank build guide for the offset hub, bills account, living allowance and Friday sweep — plus the buffer-floor calculator.
Once, in week one
Any diet, any household size: a weekly menu engineered for ingredient overlap, one consolidated shopping list, and a 90-minute Sunday prep plan.
Weekly, 2 minutes
Your live balance-vs-plan line, the nightly interest meter, surplus ratio, leak trend and projected debt-free date — the five numbers that matter.
Weekly, 15 minutes
$997 value · book + 12 months of every tool above · no card needed
Mortgage Engineering is built by Crown Money. Their brokers set up the loan structure, offset architecture and rate reviews for you — and walk beside you to the final payment. Book a free chat →