Free tools for
Money & big decisions
Mortgages, cars, big purchases, retirement and where to write the decision down.
17 free tools — no email, no signup, each cut from a workbook we sell.
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Calculator Operator OS
Rental Cash-Flow Calculator for Landlords
See what a rental really cash-flows after the mortgage, taxes & insurance.
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Spreadsheet Life Admin
Free Bill Tracker Spreadsheet
Every bill once, its next due date worked out for you.
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Calculator Life Admin
Zakat / Tithe Calculator — Free
Work out your zakat or your tithe in your browser.
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Spreadsheet Big Decisions
Social Security Claiming-Age Table
What a check would be at every claiming age from 62 to 70, worked out from the figure on your own statement.
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Spreadsheet Big Decisions
Loan Extra-Payment Calculator
See how much sooner one loan is gone, and how much interest you skip, when you pay a little extra each month.
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Printable Big Decisions
Used-Car Inspection Checklist — Free Cards
The ten-minute walk-around and the cold start, on two cards that tell you what counts as a fail.
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Calculator Big Decisions
Mortgage / Loan-Offer Comparison Scorer
Compare two mortgage Loan Estimates on closing costs after credits plus interest, by the year you expect to sell or refinance.
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Printable Big Decisions
Free Frame the Decision Mini-Guide
Three things to do before you compare anything: widen a yes-or-no, force the option nobody listed, and price the unwind.
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Printable Big Decisions
One-Page Decision Journal
A free printable decision journal — write it down before you know how it ends.
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Spreadsheet Big Decisions
Buy-vs-Rent Quick Check
Score buying against renting on the seven things that matter most.
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Spreadsheet Big Decisions
Big-Purchase Affordability Estimator
The debt-to-income ceiling on a home purchase, in one tab.
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Spreadsheet Big Decisions
True Monthly Cost of a Home Estimator
See what a home really costs each month, past the mortgage payment.
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Spreadsheet Big Decisions
True Monthly Cost of a Car Estimator
See what a car really costs each month, past the payment.
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Spreadsheet Big Decisions
College Net-Price Estimator
The true college net price behind one award letter, once you subtract only the aid that is really a discount.
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Calculator Big Decisions
Where-to-Retire Web Scorer
Score two places you might retire to across the six things that matter most.
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Calculator Big Decisions
Pet-Insurance Plan Comparison Scorer
Compare two pet-insurance plans on five of the things that decide what a policy actually pays.
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Spreadsheet Trackers
Free Streaming Cost-per-Hour Checker
What each streaming service costs per hour you actually watched.
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