Breaking Free

Tools

Run the ideas on your own numbers

An idea becomes useful when you can apply it to a real decision. These free tools use your numbers, work in your browser, and do not require an account.

The first four exist nowhere else; they are the Breaking Free thesis with your numbers in it.

Featured planner

Can I Afford Time Off?

Estimate the cash runway for a sabbatical, career break, or no-salary year, then identify the tax questions and uncomfortable cases worth reviewing before you leave.

Open -> Business

Financial Back Office Scorecard

Answer 10 questions to see whether your accounting process is reactive, owner-dependent, or ready to support hiring, pay, pricing, and runway decisions.

Open -> Calculator

Real Hourly Wage Calculator

Calculate what you earn for each hour your job actually requires, including commuting and after-hours work. Then compare that amount with the cost of paying someone to do a task for you.

Open -> Calculator

Second Income Calculator

Estimate how much a second income adds after taxes, childcare, commuting, work expenses, and the hours the job actually requires.

Open -> Interactive

The Time-vs-Money Curve

Explore how your available time and earning power may change across life, and which resource may be worth protecting at each stage.

Open -> Planner

Budget Planner

Give every dollar of monthly income a purpose, then compare your planned spending with what you actually value.

Open -> Planner

Debt Payoff Planner

Compare paying the highest-interest debt first with paying the smallest balance first. See your debt-free date and what an extra monthly payment changes.

Open -> Calculator

Savings Goal Calculator

Set an emergency-fund or savings target, estimate when you will reach it, and see how many months of expenses your current savings could cover.

Open -> Projector

Investment Growth Projector

Estimate how your starting balance and monthly contributions could grow over time, including the effect of investment returns and inflation.

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