Kepler Oates
Free online tools

Ten free tools
that just work

Budgets, debt, rates, habits, focus and decisions. Free, no sign-up, and nothing you type leaves your browser. Most can be printed or saved as a PDF.

● Private by design: runs on your device

Money

Plan, track and get paid.

Monthly Budget Planner

Plan a month of spending and compare it with the 50/30/20 guide.

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Debt Payoff Calculator

Snowball or avalanche: see your debt-free date and total interest.

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Freelance Rate Calculator

Work out the hourly and day rate that hits your income goal.

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Subscription Cost Tracker

Add up every subscription and see the real yearly cost.

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Invoice Maker

Fill in a clean invoice and print it or save it as a PDF.

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Focus and habits

Make the time and keep showing up.

30-Day Habit Tracker

Tick off each day for up to six habits and watch your streaks.

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Focus Timer (Pomodoro)

25 minutes of focus, then a break. Repeat. A long break after four.

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Weekly Planner

Three priorities and a plan for each day, saved as you type.

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Thinking and writing

Decide clearly and write tighter.

Decision Matrix

Score your options against what matters and see which wins.

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Word and Reading Time Counter

Count words, characters and sentences, with reading and speaking time.

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Prefer paper?

Printable PDF tools

Ten one-page tools from the book, free with your email.

See the printables →