Free Before Sixty

Free Tools

Calculators and templates to help you see your numbers clearly. No coaching required. Just download and use.

What's Available

Four tools. All free.

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.

Excel

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.

Excel

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.

Template

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.

Guide

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.

Private Coaching

The tools show you the numbers.
Coaching helps you act on them.

If you're ready to build a real retirement plan — not just run calculations — that's what the Early Retirement Blueprint is for.

Learn About Coaching