Free calculators
Three free tools for people building income after work. They run in your browser.
Quit My 9-to-5 Calculator
Free, no signupSee the month your side income could replace your paycheck, with a safety buffer.
Try the calculator →Freelance Rate Calculator
Free, no signupFind the hourly rate you need to hit your take-home goal after taxes, expenses and time off.
Open the calculator →Lead Magnet Builder
Free, no signupAnswer three questions and get a checklist lead magnet you can give away to grow your list.
Build a checklist →The tools I tested
Some links below are affiliate links. Each review says whether I used the tool myself. Full disclosure
ConvertKit
8.1/10Creator-focused email platform with clean automations, landing pages, and tagging. Great for solo creators.
Read full review →Systeme.io
8.5/10All-in-one platform combining funnels, courses, email, and affiliate management. Strong free tier.
Read full review →Automation
Make.com
9.0/10Visual automation builder that connects your tools. More flexible than Zapier for complex multi-step workflows.
Read the review, now in Make vs n8n →Notion
8.4/10All-in-one workspace for notes, docs, project management, and content planning. The backbone of my daily workflow.
Read full review →Website
Hostinger Horizons
8.2/10AI-driven web builder from Hostinger. Generate sites with prompts, then refine in a visual editor.
Read full review →Money
Wise
9.2/10Multi-currency account and international transfers. Genuinely the best for cross-border creators.
Read full review →Robinhood
7.8/10Beginner-friendly broker with commission-free trades. Decent for side-income investors who want simplicity.
Read full review →Klarna
6.8/10Buy-now-pay-later for everyday shopping. Useful with discipline; risky if you carry balances or miss payments.
Read full review →Affiliate programs
OLSP System
6.8/10Affiliate training and traffic-acquisition system. Marketed as a system; really an affiliate training program.
Read full review →Free download
This page, as printable verdict cards with the receipts attached
The Keep-or-Cancel Deck is the printable version of this directory: 13 tools, each with real costs in money and hours, what it actually earned or saved (screenshots included), and the cheaper swap.
One email with the PDF, then the weekly notes. Real numbers, no income promises. Unsubscribe anytime.
How I Score Tools
Every tool is evaluated across six categories: ease of use, features, value for money, support, integrations, and creator-specific utility. Scores are updated quarterly.
View full methodology →Get the toolkit, and the honest updates
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