Calculators and templates to help you see your numbers clearly. No coaching required. Just download and use.
What's Available
Each one addresses a specific financial question OFWs ask me all the time. Enter your details and I'll send the file straight to your inbox.
Write Your Vision
You can't hit a goal you can't see. Tell it about one ordinary Tuesday in the life you're working toward, typed badly, two minutes is plenty. It writes that day back to you as 3 vision statements in your own words, each one starting with a year and an age, and it names the parts of a good life you left out. Free, no download, runs in your browser.
The Real Cost of Fees
Fees and slow returns do not feel big year to year. Over decades they quietly take a large piece of your future. Put in your numbers and watch the gap between a high-fee setup and your own low-cost plan grow year by year. Free, no download, runs in your browser.
Early Retirement Calculator
Enter your age, your savings and what you invest each year, and see whether you are on track to retire before 60. It shows your CoastFIRE point, the year your investments can carry themselves, and how much earlier that arrives if you save a little more. Free, no download, runs in your browser.
Plan Reality Check
Someone offered you a plan with guaranteed payouts. Put the numbers in and see what it actually returns after inflation, what it returns if you spend the payouts instead of reinvesting them, and how it compares to a benchmark you pick yourself. Free, no download, runs in your browser.
Life Insurance Need Calculator
Find out how much life insurance you actually need, adjusted for inflation and your existing cover. It sizes your number three ways and shows your exact gap, so you know whether you're overpaying or underprotected. Free, no download, runs in your browser.
Education Cost Calculator
Plan for up to five children from a single spreadsheet. Enter each child's curriculum — British, American, IB, Indian, or Philippine K-12 — and their current tuition per stage. The calculator projects inflation-adjusted costs year by year, then works out how much you need to save monthly across best, mid, and worst case return scenarios. The glide path adjusts automatically as each child gets closer to needing the money.
Car Affordability Calculator
Before you commit to a car loan, run the numbers. This calculator factors in your take-home pay, existing obligations, loan term, interest rate, and insurance to show you whether you can actually afford the car — and what it will cost you over time.
Intentional Spending Plan
Not a budget. A spending plan built around what you actually want your money to do. Map your income, fixed costs, savings targets, and discretionary spending in one place. The goal is clarity — knowing exactly where every dirham or dollar is going, and why.
How to Open Your Interactive Brokers Account
Interactive Brokers is the platform I personally use and recommend for OFWs building a globally diversified portfolio. This step-by-step guide walks you through the account opening process — what to prepare, what to expect, and how to avoid the common mistakes that slow most people down.
If you're ready to build a real retirement plan — not just run calculations — that's what the Early Retirement Blueprint is for.
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