Your freedom number
The amount that has to be working for you before your monthly bills stop depending on your job. Everything else on this page is a step toward this figure.
This one now has its own page — a bigger version of the calculator, with the full explanation underneath.
Open the Freedom Number Calculator →Pipeline vs bucket
A bucket has to be carried every single day. A pipeline is built once and keeps flowing. This compares both paths to the same finish line.
What this is for
What it does
It compares two ways to reach the same target. One is saving only from your job. The other is saving plus an asset you build that starts paying later. It shows how many years each takes.
When it helps
- When you are deciding whether a side project is worth the evenings.
- Before you start something that pays nothing for a year or more, so you know that going in.
- When someone tells you passive income is quick, and you want to see the honest timeline.
How to read the answer
Look at the two boxes side by side. Then look at the build months, the time when the pipeline pays nothing at all. That period is where nearly everyone stops. If you cannot survive it, the second column will never happen.
What it cannot tell you
It assumes the pipeline actually works and keeps paying. Most do not. Run it with a smaller number than you hope for.
What small amounts become
Most people quit because month one looks pointless. The gap between what you put in and what you end up with is the whole argument for starting today.
This one now has its own page — a bigger version of the calculator, with the full explanation underneath.
Open the Compounding Calculator →Assets or liabilities?
An asset puts money in your pocket. A liability takes it out. List what you own and see which side you are actually on — the car and the house often land on the wrong side.
What this is for
What it does
You list what you own with the money each thing brings in and takes out per month. It sorts them into assets and liabilities and shows your net monthly position.
When it helps
- Before buying anything large, especially a car.
- When your income feels fine but nothing is left at the end of the month.
- When you want to see where the leak actually is instead of guessing.
How to read the answer
Anything with more money going out than coming in is a liability, whatever it is called. The final number is what your possessions do to you each month. A minus means your things are billing you.
What it cannot tell you
It only counts monthly cash. It ignores resale value and it ignores what a thing is worth to your life. A car can be a liability and still be the right choice.
| What you own | Money in per month | Money out per month |
|---|
The true price of a loan
Sellers show you the monthly payment. This shows the part that was never yours — the interest, as a share of what you borrowed.
What this is for
What it does
It works out the monthly payment on a loan, then shows the total interest, the interest as a share of what you borrowed, and what the same monthly amount would have become if invested instead.
When it helps
- Before signing anything with a monthly rate: car, furniture, phone, holiday.
- When a seller shows you only the monthly figure and not the total.
- When comparing two offers with different lengths.
How to read the answer
The monthly payment is the number sellers show. The interest total is the number that matters. The last line is the real price, because borrowing costs you the interest and everything that money would have grown into.
What it cannot tell you
It does not include fees, insurance sold with the loan, or early repayment charges. Real offers usually cost more than the rate suggests.
Debt payoff plan
Two ways to clear debt: smallest balance first, which feels good, or highest rate first, which costs less. Put your debts in and see what the difference is actually worth.
This one now has its own page — a bigger version of the calculator, with the full explanation underneath.
Open the Debt Payoff Calculator →What your savings will be worth
Money sitting still does not stay still. This is what today's amount buys years from now, and what you would need just to stand in the same place.
What this is for
What it does
It shows what today's money will buy after years of inflation, and what you would need instead just to stay level.
When it helps
- When money is sitting in a current account or at home.
- When someone says saving is safe and investing is risky.
- When planning anything more than a few years ahead.
How to read the answer
The big figure is your buying power later, not your balance. Your balance stays the same. What it buys does not. Anything earning less than the inflation rate is a slow loss, even when the number on the statement never falls.
What it cannot tell you
Inflation is never one steady number, and your personal rate depends on what you buy. Rent and food often rise faster than the official figure.
The price in hours of your life
Nothing costs money. Everything costs the hours you traded for that money. Price a purchase in hours once and you will never unsee it.
What this is for
What it does
It converts a price into the hours you worked to earn it, using your real hourly rate after tax.
When it helps
- Before any purchase big enough to think twice about.
- When comparing two options and the price difference feels abstract.
- When you want to explain a decision to someone without arguing about money.
How to read the answer
The hours figure is the honest price. Include your commute and unpaid overtime in the weekly hours, because those are your hours too. The last line shows what the same money could have grown into.
What it cannot tell you
It is not an argument against spending. Some things are worth 95 hours. It only makes sure you know the exchange rate before you agree to it.
What a team really pays
Every plan looks good on a whiteboard because the whiteboard assumes everyone stays active and nobody spends anything. Put in real numbers, including your own costs, and see what is left.
Open the Direct Selling Income Calculator →Direct selling red-flag check
Ten things that are true of the bad ones. Tick everything that matches what you were told. Four of them, shown in red, end the conversation on their own.
What this is for
What it does
It turns a sales presentation into a checklist. You tick what is true of the company in front of you, and it gives you a verdict based on what actually separates a real business from a recruiting chain.
When it helps
- The evening after a meeting, before you sign anything.
- When a friend or relative is asking you to join and you do not want to argue.
- When you are already in and want to check the thing honestly.
How to read the answer
Four items are marked in red. Any one of them on its own is enough to stop, because each describes money moving from you rather than from customers. The rest are warnings that add up. Two or three warnings without a red one usually means ask harder questions, not run.
What it cannot tell you
It cannot tell you whether the product is good or whether the people are honest. It only checks the structure of the offer. A clean score is permission to look closer, not proof it will work.
Pay off the loan or invest?
You have some spare money each month. Clearing debt feels safe, investing feels smart. The answer is arithmetic, and it is usually clearer than people expect.
What this is for
What it does
It runs two plans over the same period. In one, your spare money clears the debt first and then goes into investing. In the other, you pay only the interest and invest from day one. It shows where you end up in each case.
When it helps
- When you have savings and debt at the same time.
- When someone tells you to invest while you are carrying a credit card.
- Before deciding what to do with a bonus or a tax refund.
How to read the answer
Compare the two end figures. Clearing debt is a guaranteed return equal to the interest rate. Investing is a hoped-for return. If the debt rate is higher than the expected return, paying it off wins, and it wins without any risk at all.
What it cannot tell you
It ignores tax and it ignores how you sleep. A debt-free month has a value that does not show up in either column. If the two numbers are close, take the certain one.
Your savings rate decides the years
Two people on the same wage can be free at 40 or working at 67. The difference is not luck and it is not the salary. It is the share of your pay you keep.
What this is for
What it does
It works out what share of your pay you currently keep, then shows how long the journey takes at every savings rate from 10% to 60%. Your own row is highlighted.
When it helps
- When the goal feels impossibly far away and you want to see what moves it.
- When you are deciding between earning more and spending less.
- After a pay rise, to check whether the extra went anywhere.
How to read the answer
Find your row, then look one row down. The gap is rarely a few months. It is usually years. Notice that the salary itself never appears in the table, only the share you keep.
What it cannot tell you
It is simpler than real life. Someone paying high rent in a big city cannot simply save half, and calling that laziness is dishonest. Sometimes the next row down is only reachable through more income, not less spending.
How much cash should sit still
The first step of every plan, and the one people skip because it earns nothing. Without it, one broken washing machine turns into new debt and you start again from behind.
This tool now has its own page — a bigger version of the calculator, with the full explanation underneath.
Open the Emergency Fund Calculator →Where your month actually goes
Most people do not have a money problem, they have a "where did it go" problem. Split your income into needs, wants and savings, then compare the plan with what really happens.
Open the 50/30/20 Budget Calculator →When a business stops eating your money
Every business has one number that decides whether it is a business or an expensive hobby: how many sales it takes to cover costs, and how many more to pay yourself.
Open the Break-Even Calculator →The monthly payment behind your goal
Everyone has a number they want. Almost nobody knows what it costs each month. Name the amount and the year, and this runs the maths backwards.
Open the Investment Goal Calculator →What you should actually charge
Setting your price by looking at someone else and going slightly lower is how you end up busy and broke. Build the rate from what you need and the hours you can honestly sell.
Open the Hourly Rate Calculator →How many people a plan really needs
A compensation plan is a promise stacked in levels. Put in the width, how many stay active and the commission at each level, and see how many people the income on the slide actually needs.
Open the Network Marketing Levels Calculator →Where your small costs really go
Subscriptions, bank fees, delivery charges, the daily coffee. Each looks too small to matter. Add them up for a year, see the hours of work behind them, and what cutting a few could grow into.
Open the Money Leak Calculator →Network marketing or pyramid scheme?
Fifteen plain questions about any company. See every warning sign, the ones that mean stop, and what you still need to ask before you pay anything.
Open the MLM Red Flag Checker →Is that return too good to be true?
“Just 1% a day” sounds small. Turn any promised return into a yearly number and put it next to banks, the stock market and the best investors in history.
Open the Promised Return Checker →Is that income really passive?
Customers and team members stop buying every month. See how fast team income fades if you stop working, how long until half is gone, and the ceiling your current effort can reach.
Open the Residual Income Calculator →Can I quit my job yet?
Eight checks before you hand in your notice: your weakest month, the trend, six months of savings, health cover, family, and what you lose by resigning.
Open the Can I Quit My Job? Calculator →What every “no” is worth
Turn calls, meetings and sales — or job applications — into a ratio. See what each contact earns you, your weakest step, and how many contacts your goal needs each day.
Open the Law of Averages Calculator →The five levels of financial freedom
Freedom is not one giant number. See what security, vitality, independence and freedom cost you — and how many years each level takes at your saving pace.
Open the Five Levels Calculator →The 48-hour rule, in numbers
“Two people in 48 hours” sounds easy. See the day that rule runs out of people — and an 8-question check before you ask the family and friends who never say no.
Open the ACT 48 Reality Check →Rewrite what you say to yourself
“My luck is bad.” “Money never stays with me.” Swap the line for an honest bridge sentence you can believe, get one small action, and count your negative lines for 7 days.
Open the Self-Talk Rewriter →How much can this trade cost you?
Position size from the 1–2% rule, what ten losses in a row do to your account, the gain needed to recover, and whether your win rate really makes money after fees.
Open the Trading Risk Calculator →Plan your next negotiation
A raise, the rent, a car price. Write your interests, theirs, fair standards and your walk-away — get a one-page plan and see how strong your position really is.
Open the Negotiation Planner →Seven small habits, ninety days
Quiet time, learning, one brave step, giving and more. Tick them each evening, watch your 90-day grid fill up, and answer three honest questions before sleep.
Open the Wealth Habits Tracker →