VELDRAI

THOUGHTFULLY BUILT. GENUINELY USEFUL.

Useful digital
tools for
real life.

A little less complexity.
A clearer way forward.

Calculators, planners, and digital systems for your money, time, career, and creative work.

Explore free tools

No account needed. Start with something useful.

VELDRAI / DIGITAL STUDIO

Tools for a brighter you.

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01USE SOMETHING USEFUL

Clarity starts here.

All free tools
Available

Money Clarity / Free tool

Debt Payoff Calculator

Compare the avalanche and snowball payoff methods across your real balances and see your payoff date, calculated entirely in your browser.

Compare two methodsSee your payoff datePrivate by design
Build your payoff planFree to use. No signup. Just a clearer picture.
PAYOFF EXPLORERLIVE SAMPLE / TRY IT

STARTING BALANCE

$16,500.00

Avalanche method
Credit card$4,500 / 22.9% APR
Car loan$12,000 / 6.5% APR
$150
$0ADJUST TO EXPLORE$500
41 monthsto pay off
24 monthssooner than minimums

Illustrative inputs, calculated live. Minimums: $120 + $260/month. Educational estimates, not financial advice.

ON THE HORIZON

Savings Goal Calculator

Work out how much to set aside each month to hit a savings target by a specific date.

Coming Soon

02STAY IN THE LOOP

Stay in the loop.

New tools, useful resources, and occasional updates from VELDRAI.