Practical tools and guides, no nonsense
Tools for the things you actually deal with.
Salt n' Fork is a growing collection of focused tools and plain-English guides for everyday life. Some help you handle money. Some help you make a decision. Some are built specifically for The Bahamas. All of them try to do one thing well, and most of them are free.
Browse all 17 tools
Or read why this exists
What brings you here?
Pick a starting point. The full collection is one click away.
Handle money
Budgeting, retirement planning, freelance pricing, debt payoff, splitting bills, NIB benefits, and Bahamian business setup.
See the money tools →
Plan a project
Backyard structures, woodworking cuts, building permits, and the long-form planning guides that go with them.
See the project tools →
Find or decide
Restaurants, conversation starters, decision makers, learning paths, and ten-minute activities for slow afternoons.
See the discovery tools →
17 tools
12 long-form guides
79 countries supported
9,172+ Bahamian laws indexed
Built since 2024
Why this exists
Most apps try to do everything. They start out useful, then they pile on features nobody asked for, then they put the features you used to get for free behind a paywall. We have spent enough time on the wrong side of that pattern to want something different.
Salt n' Fork started with a book. We had spent years figuring out how money actually works in The Bahamas, and the personal finance advice we kept finding online was written for somebody in a different country with different rules. So we wrote The 3-Bucket System, a plain-English guide to budgeting and retirement when the economy runs partly on cash and there is no 401(k) waiting at the end. Writing the book made it obvious how many Bahamians had no real way to estimate what their NIB pension would actually be, so the next thing we built was the NIB Retirement Calculator. After that came the budgeting app, to put the book's system into practice without a spreadsheet. Then a freelance rate calculator, then a bill splitter, then a restaurant guide, and so on.
"If a tool solves your problem in thirty seconds, it should not come with a price tag."
Seventeen tools and counting, plus a dozen plain-English guides. Across the collection you will find budgeting tools, retirement calculators, freelance pricing tools, debt payoff calculators, woodworking utilities, decision-making apps, a Bahamas restaurant guide, and a searchable index of Bahamian law. Some of them solve problems specific to Bahamian life, like estimating NIB benefits or looking up a section of legislation without paying a lawyer. Most are useful anywhere. Splitting a bill should not require an app store account. Planning a backyard shed should not cost three hundred dollars in software. Cutting a sheet of plywood efficiently should not need a desktop application from 2004.
Each tool here does one thing. If it does that thing well, it ships. If it does not, it gets rebuilt until it does. Most are free. A few are paid, like the book and the premium tier of the budget app, because some things take more work to maintain than a single landing page can support.
There is no growth team here. No investors. No pressure to ship features that look good in a pitch deck. Just one person building tools that solve real problems, one at a time, and shipping them when they are ready.
Last updated April 2026 · Latest addition: Website Widgets Without Monthly Fees guide
A handful of starting points if you are not sure what to look at first. The full collection covers budgeting, retirement planning, freelancing, decision making, woodworking, restaurants, law, and more.
The 3-Bucket System
A 35-page guide that breaks down the 3-bucket budgeting system from the ground up. Covers tracking cash spending, NIB retirement planning, and building savings on a Bahamian income. Includes printable worksheets.
Get the Book
Salt n' Fork Eats
A community-driven restaurant guide for The Bahamas. Browse by island, neighborhood, cuisine, or vibe. Real recommendations from actual visits, not paid placements or sponsored rankings.
Find Restaurants
NIB Retirement Calculator
Estimate your monthly NIB retirement pension by entering your earnings and contribution history. Uses the official NIB formula and benefit tiers. Free, no account, no data stored.
Calculate Benefits
Build It
Plan a backyard shed, workshop, garage, or studio. Set your dimensions, choose wall and roof materials, add doors and windows, then export an interactive 3D model, a scaled floor plan, and an itemized materials list.
Plan a Build
Long-form pieces written in plain English. Some are specific to Bahamian life. Others apply anywhere.
What readers are saying
Real feedback from people who have read The 3-Bucket System book.More on TikTok →
"The retirement section was the eye-opener for me. I have family members who barely got anything from NIB when they retired, and some had to go back to work. This book reminded me that I need to make retirement a priority now, because NIB alone won't be enough."
– Mercedes S.
"It sounds like a friend coaching me about my finances. You're holding the reader accountable without beating them over the head about it. Like yeah, you got yourself here, but you can also fix it, so let's start now. This is going to help a lot of people."
– T. Knowles
"It's about time someone wrote a book for us. There's nothing else out there that speaks directly to Bahamians about money. This finally does."
– B. Smith
Common questions
The things people ask most often before they use the tools or write in.
Are all the tools free?
Most are. The 3-Bucket System book is a one-time purchase at $19.99. The 3 Bucket Budget App has a free tier and an optional $5 a month premium tier that adds batch uploads, Google Sheets export, cash entry, and email auto-import. Everything else is fully free, with no sign-up, no premium tier, and no upsell.
Do these tools work outside The Bahamas?
Most of them do. The Freelance Rate Calculator supports 79 countries with their local currencies and tax rates. Bill Split, Rent Split, Build It, Cut List Optimizer, Loan Payoff Calculator, Decisions Decisions, One Question, Bored, YouTube Discovery, and Website Widgets are all fully universal. The NIB Retirement Calculator, Salt n' Fork Eats, Bahamas Law Search, and a few of the long-form guides are written specifically for The Bahamas.
Do you collect my data?
Most of the free tools run entirely in your browser, so the things you type and calculate never leave your device. The 3 Bucket Budget App is the main exception, since it needs a Google sign-in to remember your category preferences across uploads, but bank statements themselves are processed temporarily and never stored. The hub uses Google Analytics for traffic statistics, with no shared user account between tools and no cross-tool tracking. The full hub privacy policy covers the saltnfork.com side in detail, and the Budget App's own privacy page walks through its data handling end to end.
Which tool should I start with?
It depends on what you need. For budgeting, start with The 3-Bucket System book. It walks you through an entire budgeting system from the ground up. The 3 Bucket Budget App is one option for putting the budgeting side of things into practice once you understand it, but the two are not tied together. You can read the book without ever using the app, and you can use the app without having read the book. For estimating your Bahamian retirement benefit, the NIB Retirement Calculator. For pricing freelance work, the Freelance Rate Calculator. For finding somewhere to eat in The Bahamas, Salt n' Fork Eats. For planning a backyard structure, Build It. The tools page has the full list grouped by category.
Who built these and why?
Salt n' Fork is independently built by M. M. Rolle, a Bahamian developer. We started with the book, The 3-Bucket System, written because every piece of personal finance advice that showed up in search results was written for somebody in a different country with different rules. Writing the book made it obvious how many Bahamians had no real way to estimate their NIB pension, so the NIB Retirement Calculator was the next thing we built. The 3 Bucket Budget App came after that, as one way to put the book's system into practice without a spreadsheet. Everything else followed from real problems that did not have a simple answer. We have no investors and no growth team. The full story is on the about page.
How often do you add new tools?
We add roughly one new tool every two or three months, when an idea solves a real problem worth solving. Existing tools get refined based on actual user feedback rather than a feature roadmap. The collection currently has seventeen tools across budgeting, retirement, freelancing, food, decision making, woodworking, building, law, and a few others.
Can I suggest a tool or report a bug?
Yes, please. The contact form has a Reason dropdown with Bug Report, Feedback, Restaurant Claim, and General Inquiry options. We read every message and reply as quickly as we can.
Are the long-form guides legal or financial advice?
No. The guides are plain-English explanations of how things actually work, written to help people understand systems like NIB, the Business Licence Act, building permits, and personal finance. They are not a substitute for talking to a licensed professional about your specific situation, and the relevant disclaimers are in each guide.
Who is behind this
Salt n' Fork is independently built by M. M. Rolle, a Bahamian developer. We got tired of tools that were not built for the way things actually work here, so we started with The 3-Bucket System book, then the NIB Retirement Calculator, followed by the budgeting app, and then everything else on this page.
Read the full story
For businesses & partners
Salt n' Fork is independently owned and operated. Restaurant claims for Salt n' Fork Eats, lawyer profile listings for Bahamas Law Search, sponsorships, partnerships, affiliate inquiries, and press requests all go through the same contact form. Business inquiries are handled personally and answered as quickly as possible.
Get in touch
