Tesserae is a private personal-finance planner you fill in yourself. No bank logins, no auto-import. Typing your own numbers in takes about ten minutes a month and leaves you knowing exactly where you stand. Under the hood is serious retirement modeling (Monte Carlo odds, Roth ladders, RMDs, Social Security, the bridge to 59½), plus a health score, budgeting, a cash-flow calendar, equity tracking, a couples "Money Date" ritual, and 14 free calculators. Web, iOS, Android. Live demo, no signup.