About Salt n' Fork
What is Salt n' Fork?
Salt n' Fork is a growing collection of focused tools for everyday tasks, from budgeting and retirement planning to splitting bills and finding something to do on a slow afternoon. Each tool is built to solve one thing well, without the clutter of ads-first design or features nobody asked for.
What started as a handful of standalone projects built for the Bahamas has grown into a collection of 17 tools and counting. Some solve financial problems specific to Bahamian life, like estimating NIB retirement benefits or budgeting around a cash-heavy economy. Others are useful anywhere: splitting rent with roommates, making a tough decision, optimizing cuts for a woodworking project, or finding a conversation starter for a dinner that's gone quiet.
Most tools work the moment you open them. No sign-ups, no onboarding, no data collection. The Budget App is the exception: it requires a Google account for bank statement processing, and has a premium tier alongside its free option. The 3-Bucket System is a paid ebook. Everything else is free, runs entirely in your browser, and doesn't ask for anything.
Finance & Money
Most Bahamians don't know what their NIB retirement benefit will actually be until it's too late to do much about it. This calculator lets you enter your earnings history and contribution record to get a realistic estimate of your monthly benefit at retirement. The NIB retirement guide explains how the formula works and what most people miss. Free to use, no account needed.
Freelancers typically undercharge because they only think about the hours they're billing: NIB contributions, slow months, vacation, or the taxes owed on every dollar. This calculator walks through all of it: desired income, non-billable time, expenses, and tax obligations, and gives you the minimum hourly or project rate you actually need to survive and save. The freelance pricing guide covers the full breakdown. Free to use.
Shows you exactly what happens to your loan when you make extra payments. Enter your loan balance, interest rate, and minimum payment, then see the full amortization schedule and how much interest you save by paying even a little more each month. The debt payoff guide walks through the strategies behind it. Free to use.
A step-by-step guide to registering and running a business in The Bahamas. Covers business structure, trade name registration, agency approvals, business licence application, NIB registration, VAT, financial reporting tiers, and annual compliance. Written for anyone starting out, whether you're formalizing a side hustle or launching something new. Pairs with the freelance pricing guide and the NIB Calculator. Free to read.
Upload a PDF bank statement from any of the five major Bahamian banks and the app automatically reads, categorizes, and organizes your transactions into a budget. Your financial data never touches our servers. Everything is processed and handed off directly to your own spreadsheet. The free tier includes one upload and Excel export. The premium tier ($5/month) adds batch uploads, historical statements, Google Sheets export, cash entry, and email auto-import. See the cash tracking guide for why this matters in a cash-heavy economy.
A 35-page ebook written by a Bahamian, for Bahamians. It covers the real math behind NIB, how to track spending in a cash-heavy economy, and the complete 3-Bucket System for building savings on any income. No Roth IRAs, no American advice that doesn't apply here. Just a practical system designed for how money actually works in The Bahamas. One-time purchase, instant PDF download, includes printable worksheets.
Food & Social
A restaurant guide for the Bahamas. Browse by location, category, or vibe. Real places, real recommendations, not algorithmically ranked paid placements. The eating out guide breaks down what those daily habits actually cost over a year. Free to use.
Split a restaurant bill fairly between any number of people. Handles tip, tax, and unequal items, including scenarios like someone's birthday where one person eats free. Shows each person's exact share. The money splitting guide covers when each method makes sense. Free to use.
Split rent fairly when rooms aren't equal sizes. Rate each room's relative size, toggle private bathrooms for automatic adjustments, and get proportional shares that add up to the penny. See the guide on splitting money fairly for more on proportional methods. Free to use.
Pick how much time you have (2, 5, or 10 minutes) and a category, and get a quick activity suggestion. Good for killing time between tasks or breaking a rut without spending 20 minutes deciding what to do. Free to use.
Pick a vibe (deep, fun, awkward, nostalgic) and get a single conversation-starter question. Useful for first dates, family dinners, or any group that needs something to actually talk about. Free to use.
Tools & Learning
Enter your project's required pieces and the dimensions of the boards you're buying, and the optimizer lays out exactly how to cut them for minimum waste. Fewer boards purchased, less scrap left over, lower project cost. Built for woodworkers. Pair it with the backyard build guide for full project planning. Free to use.
YouTube's recommendation algorithm keeps showing you the same things. This tool surfaces random videos by category and length, a way to actually discover content outside your usual bubble. Free to use.
Can't make up your mind? Flip a coin, roll a die, or spin a wheel. Sometimes the fastest way to make a decision is to let chance do it, and notice whether you're relieved or disappointed by the result. For harder choices, the decision-making guide covers structured frameworks. Free to use.
Curated starting points for learning something new, whether you want to pick up a trade, a creative skill, a language, or something technical. No courses to buy, no sign-ups required. Just a clear path to get started. Free to use.
Plan a backyard structure (shed, workshop, garage, or studio) before you start building. Set your dimensions, choose wall materials and roof style, add doors and windows, then get an interactive 3D model, a scaled floor plan, and an itemized materials list with quantities. A planning tool, not engineering software. Always verify with a licensed contractor. The backyard build guide covers what to figure out before you start. Free to use.
Search Bahamian legislation, subsidiary laws, building codes, and court judgments in plain language. Browse acts section by section, follow cross-references between related laws, and use AI-powered explanations to understand what the legal text actually means. Sourced from laws.bahamas.gov.bs, courts.bs, and courtofappeal.org.bs, updated weekly. Not legal advice. The Bahamian law guide explains how legislation is structured in plain English. Free to use.
A collection of embeddable website widgets you actually own. Event calendars, restaurant menus, reviews showcases, team pages, announcement bars, countdown timers, FAQ accordions, pricing tables, and more. Each widget is self-hosted HTML you can customize and drop into any website. Free embeds available, with full versions as a one-time purchase. No monthly fees, no view limits.
Why these tools exist
Most apps try to do everything. They start simple, then they add features nobody asked for, then they add a premium tier to unlock the features you used to get for free. Salt n' Fork takes the opposite approach. Each tool does one thing. If it does that thing well, it ships. If it doesn't, it gets rebuilt until it does.
The financial tools exist because generic American advice doesn't work in The Bahamas. There's no 401(k) here. There's no FICO score. The economy runs partly on cash, and bank statements here don't look like American ones. So instead of recommending someone else's system, we built tools that work with how banking and spending actually look in The Bahamas.
The rest of the tools exist because we kept running into small problems that had no good free solution. Splitting a bill shouldn't require downloading an app and making an account. Planning a shed shouldn't require expensive software. Figuring out your freelance rate shouldn't require a spreadsheet from scratch. So we built them. Most are free because if a tool solves your problem in 30 seconds, it shouldn't come with a price tag.
Who made this?
Salt n' Fork is built by M. M. Rolle, a Bahamian developer who got tired of using tools that weren't built for the way things actually work here. It 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 someone 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 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 didn't have a simple answer.
This is an independent project. No venture capital, no growth team, no pressure to ship features that serve investors instead of users. Every tool gets built because it solves a real problem, and refined based on actual feedback. If something's broken or missing, we want to hear about it.
Contact
Questions or feedback? Send us a message.