Money
Monthly budget
Give every monthly dollar a job, then see the cushion left over.
Monthly cushion$500Unassigned after the amounts above.
Formula: income − bills − flexible spending − saving − extra debt.
Your everyday field kitThe right tools.
The right tools.
A clearer path.
Build a website, explore investment growth and everyday calculators, or download editable learning materials. Calculators and downloads work without an account; website projects save with your LifeStarter account.
Free Website Builder
Choose from 300 templates. Edit your pages and photos, save with your LifeStarter account, and download a website for your own host.
Open website builderInvestment Growth Calculator
Explore compound growth, what to invest monthly, starting now versus waiting, and future purchasing power.
Open calculator →Find a real next step.
Explore official job searches, apprenticeships, training, and local support. Choose one action and keep your notes privately.
Find jobs, training, and support →Practice a skill. Plan a transition.
Math practice with hints and worked answers
Find the downloadable materials.
Course worksheets and starter packs — choose a courseAcademy grade packs — ZIP of printable learning materialsAll Life Kits — ZIP of checklists and budget filesEight-week project planner — CSVHost planning and practice kit — TXT and CSV in a ZIPEditable starter toolkit — Excel workbook
Extract ZIP archives before opening their files. CSV files need your own spreadsheet app; preserve an original copy. My Proof saves a project record, while original documents remain in your own app. Downloaded materials can be used away from the site; interactive quizzes, account saving and calculators still require site access.
Plan a supported learning session →Amounts in USD.
Money
Compound growth
Explore how contributions, time, and a hypothetical return change a long-term scenario.
Hypothetical ending value$44,730$31,000 contributed · $13,730 modeled growth
Monthly rate = (1 + annual return / 100)^(1/12) − 1. Contributions arrive at month-end. A 7% assumption means 7% yearly growth before contributions. Investing can lose value.
Credit
Credit utilization
Calculate the share of your combined revolving limits represented by reported balances.
Utilization15.0%Balance ÷ total limits. Scoring models consider more than this one input.
Use balances reported to credit bureaus, which may differ from today’s app balance.
Work
Freelance floor rate
Turn an income target and realistic billable capacity into a starting hourly floor.
Starting floor rate$122/hrBefore profit margin, scope risk, payment fees, or market positioning.
Formula: (annual take-home goal + annual business costs + tax reserve) ÷ (weekly billable hours × working weeks per year). Billable hours and working weeks must be greater than zero. The result rounds to the nearest whole dollar per hour. The reserve is the entered percentage of the take-home goal; it is a planning buffer, not a calculation of tax owed.
Fitness
Training volume
Use a simple work estimate to compare the same lift across sessions.
Session volume2,400 lbCompare the same lift across sessions alongside technique, effort, and recovery.
Formula: working sets × reps × load. Warm-ups are usually tracked separately.
Life
Maintenance interval
Turn the last service mileage and the interval in your owner’s manual into an obvious next check.
Miles until interval3,000 miNext interval point: 45,000 miles.
Your owner’s manual and vehicle condition control. Mileage is only one service trigger; time may also apply.
The Life Starter starter toolkit
One polished Excel workbook with a budget, investing goal model, credit snapshot, job and client pipelines, business validation log, training log, meal planner, car maintenance tracker, and source notes.
Download Excel toolkit.xlsx · editable formulas · built for desktop ExcelExplore the formulas and sources.
The formulas are printed on every tool so you can audit them. For high-stakes choices, confirm current rules with the primary references inside each course.
Investor.gov compound interest calculator CFPB credit reports and scores