Free tools
See where you stand — free.
A small toolkit for one big idea: money stress isn't a math problem, it's a visibility problem. Each tool is free, private, and about two minutes — answer a question, see where you stand, and get the one next step that matters. No logins, no account numbers.
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Financial Mountain Assessment
Seven quick questions. Your whole financial picture as a mountain, your Mountain Score, and your single next move.
The 5 Stages of Financial Health
From Base Camper to Mountaineer — see which stage you're on and what to focus on next.
Build your base
Cash, cushions, and getting free of debt — the foundation everything else stands on.
Emergency Fund Calculator
How many months of protection do you have — and what's your target?
What should I do with my next $1,000?
Four questions, one clear move for a spare $1,000 — in the right order.
Debt Freedom Calculator
What pays off fastest — and moves your Financial Mountain the most.
Buying a home
The bridge between where you stand and the biggest purchase of your life.
Home Buying Readiness
Are you actually ready to buy? Your readiness score and your biggest gap.
Qualification vs Comfort
What a lender will approve vs what you can comfortably afford.
House Poor Calculator
Will the house own you? See what a payment does to your take-home.
Rent vs Buy
Which one wins for your situation — and the break-even point.
Track your climb
Guides
The thinking behind the tools — short, plain-language reads.
The Four Reservoirs
Where does your next dollar actually go? The framework, base to summit.
Financial Anxiety is a Visibility Problem
Why seeing your money — not just tracking it — is what calms the stress.
The app is coming
Your mountain, live in your pocket.
These tools are the first step. NorthReserve turns your whole picture into a mountain you can watch change as you climb.
Join the early-access waitlist →