These free money tools and calculators are designed to be used while reading or listening to Financial Freedom: A Proven Path to All the Money You Will Ever Need by Grant Sabatier. These tools work on all devices. I recommend bookmarking these tools and using them regularly on your journey.

Financial Freedom is available worldwide in hardcover, paperback, ebook, and audiobook here.


[COURSE] Financial Freedom in Uncertain Times Course

Financial Freedom Course


This course is my life’s work. It goes way beyond the book, podcast, and anything else I’ve created.


  1. 8 in-depth modules revealing my step-by-step process to financial freedom
  2. 50+ movie-quality videos to help you transform your reality
  3. Never-before-seen guest expert interviews
  4. My vault of resources to help fast-track your journey


I’m sharing everything I’ve learned about money, time, life, and freedom over the last 11 years.


Click here to learn more about Financial Freedom in Uncertain Times


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Chapter 3: What is Your Number?


How much money do you spend? [Calculator]

I hate budgets and Financial Freedom is designed so you don’t need to budget. But it’s important to quickly look at how much money you spend and more importantly, the impact it has on how long it will take you to reach financial independence (when you don’t have to work for money). This calculator and spreadsheet can be used to calculate your current and future projected expenses.

How much money do you need for the rest of your life? [Calculator]

There are many factors that impact how much money you will need for the rest of your life (your financial independence or fi number). The first time I used a retirement calculator it told me I would need to save over $3.5 million to “retire,” but that seemed like way too much money.

Also, how at the age of 24 could I even begin come close to how much money I would need for the rest of my life? As it turned out, I needed a lot less than I thought and that I was completely in control of how much I would need. While you can’t control all of the variables (like inflation and investing returns), you can control most of the variables (how much you spend etc.).

The important thing isn’t to find your exact number, it’s to understand how each variable impacts how much you will need and to get comfortable with adjusting your own numbers as you grow and your life changes.

How much money should you save daily, weekly, monthly, and annually? [Calculator]

Studies show that people have a hard time comprehending large numbers, and for me personally, the thought of saving $1 million was overwhelming. I found it a lot easier to take it one day at a time and break out my target into into daily, weekly, and annual savings goals. While it was initially difficult for me to reach my daily savings goal, it got easier over time.

Early on I build a simple spreadsheet so I could see how different daily savings amount would add up over time. This calculator makes it easy to see the how saving even $5 per day adds up and if you can get to $50+ per day your money will grow incredibly quickly.

Book Correction: While the calculator above works correctly, there is an error on page 72 in the book as follows. The formula to calculate your number: S = (Y − (1 + r)^n) / (((1 + r)^n − 1)/ r) should be S = (Y − A*(1 + r)^n) / (((1 + r)^n − 1)/ r)

and in the book example, it should be (0.7 should also be 0.07 in the book): S = (($1,250,000 − $0 * (1 + 0.07)^5)) / (((1 + 0.07)^5 − 1)/ 0.07) =$217,363


Chapter 4: Where are you now?


How much money are you making per hour? [Calculator]

Most people don’t realize that they are actually making less money than they think, because they have haven’t accounted for all of the extra time their job takes. Everything from getting ready, to commuting, to traveling for work, even to de-stressing takes time that you wouldn’t have to spend if you didn’t have to work for money.

It’s important to add up all of this time and factor it into your compensation, so you can get an accurate picture of how much money you are trading for your time. Remember that money in infinite, but time is finite. You can always go out and make some extra money, but you’ll never get back you time. How much are you willing to trade your life for?

What is your net worth? [Calculator]

Your net worth is the most important number in personal finance. It’s your scorecard. You calculate your net worth by subtracting your liabilities (money you owe – like student loan and credit card debt) from your assets (things that you could sell for money).

It doesn’t matter how much money you make if you spend it all. What’s important is working to increase your net worth over time. Don’t worry it’s easy to calculate and keep track of your net worth using this calculator and my favorite free net worth tracker, which you can sign up for here.

Chapter 5: Next Level Money

What’s your savings rate? [Calculator]

The easiest way to measure how much money you’re saving (and then saving as much as you can!) is to track your savings rate. Your savings rate is the total percentage of your income you’re saving in all of your accounts (retirement, savings, etc.).

During my own financial independence journey my saving rate started at 40% and went as high as 82% some months! That might sound crazy, but it’s easier than you think. If you haven’t worked through the only budget you’ll ever need – you definitely need to read Financial Freedom!

I like to track my savings rate in both dollars and percentages. This is really easy to do using the calculator and spreadsheet I built for you!

What is the impact of your savings rate on financial independence? [Calculator]

There is a direct correlation between your savings rate and the time it takes you to reach financial independence. It’s pretty simple: the more money you save the faster you’ll reach financial independence. Enter your numbers, test different scenarios, and see for yourself!

Chapter 6: Is it Worth It?

How much will this be worth in the future? [Calculator]

Every time you spend money you are making a tradeoff; spending the money today instead of giving it the opportunity to grow into the future. So what are you trading? Use this calculator to see how much what you plan to spend today will be worth in the future. Then decide whether it’s worth the trade off! It’s up to you.

How much freedom and time are you trading for it? [Calculator]

When I was working towards financial independence I calculated that every $100 I was saving I was buying at least 3 days of freedom in the future. This made saving easy. Most things weren’t worth 3 days of freedom!! I’ve designed this calculator so anytime you want to buy something you can determine whether it’s worth trading your time and freedom!

DOWNLOAD: 11 Ways To Think About Money here.