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Membership Levels

FSF Annual Membership

Give your next money decision a working plan.

You can read about budgeting, debt or business costs and still be left asking: how does this fit my pay, my bills and my schedule? FSF membership gives you a place to enter the details, compare scenarios and keep a plan you can return to.

$39/year plus applicable tax. Renews automatically until canceled. For US residents age 18 or older. Sold by Elementum Holdings LLC.

Join FSF — $39/year plus tax · See a free paycheck-planner example

A useful first session: map the next paycheck

  1. Gather your take-home payments, bill amounts and due dates.
  2. Enter the line items in the Working Paycheck Planner and compare your baseline with a changing-pay scenario.
  3. Review the timing and calculated report. Save a local workbook, print it or export calendar dates where offered.
  4. Return with updated figures and reopen your saved file. The tool does not move money or pay bills.

You leave with an organized scenario based on your entries—not a promise that the numbers will work out. If the plan exposes a gap, that is a useful question to address.

What your annual access includes

  • Ten interactive planning tools: dated paychecks and bills, debt comparisons, employer-match formulas, investment-fee scenarios, business cash timing, startup costs, vehicle costs, job comparisons, rent-or-buy decisions and household tasks.
  • Eleven expanded topic workbooks: guided exercises and fictional examples across FSF topics, including AI for Work & Real Life.
  • 23 service-business packages and the Business Builder: work through demand, service scope, startup costs, pricing and first steps with a playbook, printable worksheet and fictional saved example for each business. Enter your own assumptions in the Business Builder, then save, reopen or print your plan. Explore the free business previews before joining. These are educational planning resources, not legal documents or a guarantee of customers or income.
  • Repeatable use: revisit available tools as your figures change, with local saving, reopening and printing where offered. No bank connection or automatic cloud saving.

Start free or choose more detail

Your starting pointWhat you get
FreeArticles, concise checklists, free calculators and read-only member-tool examples. Useful on their own; no membership required.
Annual membershipAccess to the released interactive member tools and expanded workbooks for working through your own entries and scenarios.

Membership may fit if you want to work through your own numbers and revisit the same tools. Stay with the free resources if a basic explanation or concise checklist is enough. FSF is general education, not individualized financial, investment, tax, legal or credit advice.

Before you join

Will FSF save my financial information automatically?

No. Save a local file where offered and confirm it exists before closing. FSF does not automatically save your plans to your membership account. Keep passwords and account numbers out of your entries.

Can I use the tools on my phone?

Use a current browser. On iPhone, use Safari for saving and printing. Member Start Here explains how to reopen files, print reports and use calendar exports.

What happens when I cancel?

Cancel future renewals online in My account. Cancellation normally keeps access through your paid-through date; it does not itself refund a charge. Access ends when the paid term ends.

What if membership is not a fit?

Full refunds are available within 14 days of an initial or renewal charge. Request help at hello@forgingsmartfutures.com. A full refund of the current membership payment ends access and future renewals.

Read the terms and refund policy · See the member getting-started guide · Explore free resources

Level Price Action
FSF Annual Membership

$39.00 per Year.

Select

Choose a tool for the decision in front of you

These fictional examples show the kinds of questions the member tools support. They are public previews, not personalized recommendations or the protected tools themselves.

Working Paycheck Planner

Schedule itemized income and bills, compare pay scenarios and export calendar dates.

Fictional example: A fictional $3,200 baseline and $2,850 of bills leave $350 before other spending; dated entries reveal timing gaps that a monthly total can hide.

Match Formula Explorer

Model the employer match terms in your own plan documents.

Fictional example: A fictional employer matches 100% of contributions up to 4% of eligible pay. Compare different contribution percentages; your actual plan may use different definitions and rules.

Household Task Board

Organize tasks, responsibilities and follow-up dates.

Fictional example: Assign a fictional insurance-renewal review to one household member and a bill-date check to another. The board organizes work; it does not make payments.

Debt Payoff Comparison

Compare repayment scenarios using your balances, rates and payment assumptions.

Fictional example: Keep a fictional balance and interest rate the same, then compare $100 and $150 monthly payments. Check the payment assumptions against actual account terms.

13-Week Business Cash Planner

Map receipts, payments and collection delays across thirteen weeks.

Fictional example: A fictional week starts with $500, receives $600 and pays $800, ending with $300. A delayed customer receipt moves the cash need to a different week.

Vehicle Cash Stress Test

Compare vehicle costs with cash available in a lower-income month.

Fictional example: A fictional household has $3,000 take-home pay and $2,400 of other outgoings. A $500 vehicle-cost scenario leaves $100; omitted repairs or insurance could change the result.

Investment Fee Scenario Explorer

Explore long-term scenarios with different assumed fees.

Fictional example: Compare two hypothetical fee assumptions while keeping the starting balance, contributions and return assumption the same. This is an illustration, not a return forecast.

Job Cash and Time Comparison

Compare pay, work-related expenses and time commitments.

Fictional example: A fictional higher-paying job adds five commute hours each week. Compare both the cash difference and the additional time before choosing.

Work Tool Rent-or-Buy Comparison

Compare purchase and rental costs with expected usage.

Fictional example: A fictional $300 purchase equals ten $30 rentals before maintenance, tax, storage or resale value. Add the relevant costs before treating that as a decision.

Itemized Startup Cost Planner

List setup and recurring business costs before committing funds.

Fictional example: A fictional $1,199 startup plan with $2,000 available leaves $801 before costs you have not entered. Itemized lines help reveal omissions.

Explore before you join

Preview the member tools for free

Read a three-row example and see how each tool works before joining. These free, read-only previews do not require an account.