Get the Kit · $9
The Clock Out Kit

Your paycheck is lying to you. Find out what one hour of your life is really worth.

4 simple spreadsheets that show where your money goes, how much your time really pays, how to crush debt faster and how far you are from your Freedom Number. Works in Google Sheets and Excel.

Get the Clock Out Kit · $9

One-time payment · Instant download · 30-day refund

The Clock Out Kit: 4 spreadsheets for Excel and Google Sheets
What Sam found out

"$20 an hour" didn't mean $20 an hour.

Sam is the guy from our videos: 23, first office job. These are the example numbers already inside the Kit. Swap in yours and see your own.

True Hourly Wage
What he thought
$15.42/h
→
What he really earns
$11.98/h

After taxes, 401(k), commute, unpaid overtime and work costs.

Hours of Your Life
100 hours

What a $1,200 phone really costs him in work time.

Debt Payoff
36 months sooner

Adding $100/month to a $3,200 card at 24%: about $1,456 less interest (estimate).

Freedom Number
$607,500

His number, the years to get there (estimate), and a monthly Freedom Score log.

What's inside

4 tabs. Yellow boxes. That's it.

  • Paycheck Planner: take-home pay, your 401(k) "free money", a simple budget and your true hourly wage.
  • Freedom Tracker: your Freedom Number, estimated years and age to reach it, and a monthly log.
  • Debt Payoff: Avalanche or Snowball, attack order, and what an extra payment saves.
  • Sinking Funds: turn car repairs, holidays and a new phone into small monthly amounts.
  • Pre-filled example (Sam's numbers) so you see how it works in 10 seconds.
How it works

1. Pay once ($9).
2. Download the file right away.
3. Open it in Excel, or upload it to Google Drive and open with Google Sheets.
4. Type your numbers in the yellow boxes. Everything else calculates itself.

Google SheetsExcelNo bank login

Get it now
$9 one-time

Instant download. If it's not useful, email us within 30 days for a full refund.

Secure checkout by Stripe. We never see your card details.

Questions you're probably asking

Do I need to connect my bank?

No. You type your own numbers. Nothing leaves your file.

Is this financial advice?

No. It's math and education. It shows how the numbers work so you can make your own decisions. Results are estimates based on what you enter.

Does it work on my phone?

Yes, with the Google Sheets app. It's easier to set up on a computer the first time.

What if I don't like it?

Email ninetomoney@gmail.com within 30 days of purchase and we'll refund you. No questions asked.

Want all 5 tools? The 9toMoney Bundle has everything for $29 (instead of $54).

Part of the Clock Out Map: free calculator, free worksheet, daily videos and simple tools.