Planning Calculators

Annual Net Worth Tracker

Track your annual net worth change: this year's total minus last year's, with growth rate and monthly contribution implied.

Apprenticeship vs University Calculator

Compare lifetime earnings with our apprenticeship vs university calculator. Model net income across both routes based on salary, costs, and study years.

Barista FIRE Calculator

Calculate the Barista FIRE target — partial financial independence supplemented by part-time income — for a chosen lifestyle level.

Bootcamp vs Degree Calculator

Compare bootcamp vs degree financially — total earned and net income across 15+ years using your own salary and tuition assumptions.

Buy vs Lease Car Calculator

Compare the total cost of buying a car outright against leasing across a matched ownership period. Enter buy price to see net cost of each path over the period.

Care Home Affordability Calculator

Calculate how long savings cover care home costs, accounting for other income coming in and inflation in the cost itself.

Career Break Finances Calculator

Calculate total financial cost of a career break including lost salary, employer match, and expenses during time off. Free and educational.

Career Change Financial Impact Calculator

Calculate net financial impact of a career change over any horizon accounting for salary differences and transition costs.

Children's Education Fund Calculator

Plan a children's education fund. Calculate target amount based on degree cost and monthly savings needed to reach it by the child's university age.

Coast FIRE Calculator

Calculate Coast FIRE number — the minimum savings needed to compound into full FIRE without further contributions, given age and return assumption.

College Fund Start Age Calculator

Compare college fund savings contributed from birth versus a later start — see the compound advantage of starting earlier.

Decade Financial Plan Calculator

Project where your savings will be in 10 years vs your target. Enter current balance, annual contribution, return rate, and goal.

Downsizing Financial Impact Calculator

Calculate the net cash released by downsizing from sale proceeds, new purchase price, and transaction costs on both ends.

Dream Home Savings Plan Calculator

Plan your target home savings. Enter target deposit, current savings, monthly contribution, and return rate to see the timeline to target.

Early Retirement Planning Calculator

Calculate years until early retirement based on current portfolio, monthly contributions, expected return, and annual expenses in retirement.

Expense Inflation Forecast Tool

Forecast monthly expense growth over 10-year period. Project future budget requirements for retirement planning and long-term financial planning.

F-You Money Calculator

Calculate your F-You Money target: input annual expenses, years of independence, and inflation buffer to get total capital required.

Fat FIRE Calculator

Calculate Fat FIRE number for luxurious early retirement. See the target amount and years to reach it with your contribution plan.

Financial Independence Progress Calculator

Calculate your progress toward financial independence as a percentage of your FI number, given current portfolio and annual expenses.

Financial Goal Priority Calculator

Rank multiple financial goals by urgency and value. See priority order and allocate limited savings across competing goals systematically.

Financial Goal Timeline Calculator

Calculate years to reach a savings goal given current balance and monthly contributions. Enter target amount to see time to goal and total months.

Financial Goals Calculator

Calculate timelines to short, medium, and long-term financial goals from a single monthly savings allocation split across each.

Financial Independence Country Calculator

Calculate your FI number adjusted for relocation to a different cost-of-living country at your annual expenses and chosen withdrawal rate.

Financial Runway Calculator

Calculate financial runway in months and years from your cash reserves, monthly expenses, and income to find your exact monthly burn rate.

First Home Cost Planner

Plan total upfront cash for your first home: deposit, legal fees, survey, moving, and other purchase costs. Enter purchase price to see total cash required.

First Job Financial Plan Calculator

Calculate first job financial plan results including monthly surplus, savings rate, retirement contributions, and emergency fund targets from your salary.

Frugal vs Lifestyle Inflation Calculator

Multi-decade cost of lifestyle inflation: what you would have saved if income increases went into savings instead of into bigger spending.

Frugal vs Lifestyle Inflation Path Calculator

Compare net worth outcomes for a frugal saver vs someone whose spending rises with raises. Shows compound-growth gap over 20 years.

Funeral Plan Value Calculator

Calculate funeral plan value vs future inflation — see whether locking in current pricing beats paying the inflated amount later.

Gap Year Budget Calculator

Calculate full cost of a gap year including living expenses, travel, activities, and lost income. See total cost and months to save.

Generational Wealth Calculator

Project family generational wealth building across multiple generations with sustained savings rate and investment return.

Graduate Salary Expectation Calculator

Project a graduate career salary curve from starting salary and assumed annual growth rate — salary at any year, plus lifetime earnings.

Income Growth Projection Calculator

Project future income based on multiple growth rate scenarios. Model career advancement and salary progression over 10-20 year planning horizons.

Income Replacement Ratio Calculator

Calculate the replacement ratio between your pre-retirement income and expected retirement income — what percentage of your wage your pension recreates.

Inheritance Planning Calculator

Estimate inheritance tax on a future estate — configurable for any country's rules from estate value and local tax-free threshold.

Inheritance Split Calculator

Calculate each heir's inheritance share after subtracting debts, final expenses, and charitable gifts from the total estate value.

Investment Minimum for Financial Independence

Calculate the minimum lump sum investment needed today to reach your financial independence number by a chosen target retirement age.

Lean FIRE Calculator

Calculate Lean FIRE number for minimalist early retirement — the target pot and years to reach it from current savings and modest expenses.

Legacy Planning Calculator

Project the inheritance or legacy you can leave based on current savings, spending rate, return rate, and expected longevity.

Living on One Income Calculator

Assess whether your household can live on one income by comparing essential spending to the smaller of your two incomes.

Longevity Risk Calculator

Calculate years retirement portfolio can sustain at given spending and return rates. Enter age to see years portfolio sustains and years needed.

LPA Value Calculator

Estimate the expected value of a Lasting Power of Attorney against court-of-protection costs using probability-weighted maths.

Major Life Event Cost Calculator

Full price of a major life event (wedding, birth, divorce, move) including direct costs, lost income, and one-off setup costs.

MBA vs Work Experience Calculator

Compare MBA path versus staying in work over years — total earnings and which path comes out ahead financially at your input numbers.

Minimum Viable Income Calculator

Calculate the minimum annual gross income needed to cover essential monthly expenses after tax — the floor, not the comfortable number.

Multi-Generational Wealth Calculator

Project wealth across three generations with compound growth — illustrates the power of long-horizon, multi-generational compounding.

Net Worth Milestone Calculator

Calculate years until reaching your next net worth milestone at current savings pace and expected return. Enter target net worth to see years to target.

Number of Work Years Left Calculator

Calculate the exact number of work years remaining until your chosen retirement age. Enter target retirement age to see years and months remaining.

One More Year Calculator

Calculate what one more year of work adds to your retirement portfolio — the increment to balance and to safe annual income.

Power of Attorney Cost Calculator

Calculate total Power of Attorney setup cost — solicitor fees plus registration — at the per-LPA price your provider charges.

Professional Development ROI Calculator

Calculate professional development ROI from program cost and salary uplift over career benefit period. Enter time hours to see net benefit and total investment.

Raise Negotiation Calculator

Lifetime value of a successful raise negotiation, including the compound future raises that build on the higher base salary.

Retirement Monte Carlo Calculator

Retirement Monte Carlo calculator. Probability your portfolio survives the withdrawal rate and horizon based on historical SWR research benchmarks.

Retirement Phase Income Calculator

Calculate your total retirement income by combining state pension, private pension drawdown, and other sources into monthly and annual figures.

ROI on Education Calculator

Calculate lifetime ROI on education: salary uplift across working life weighed against total course cost and income foregone during study.

Sabbatical Savings Calculator

Calculate how much to save for a planned sabbatical — covers living costs, opportunity cost, and a return-to-work buffer for the gap year.

Spending Category Analyzer

Analyze spending across major budget categories and compare actual allocations to recommended budget percentages for optimization.

Startup Fund Calculator

Calculate personal savings needed to quit and start a business. Covers living costs, startup costs, and realistic runway.

Trust Distribution Calculator

Calculate each beneficiary's share of a trust distribution based on per-beneficiary weighting and the total distribution amount.

Trust Fund Growth Calculator

Project the future value of a trust fund given initial principal, annual contributions, expected growth rate, and time horizon.

UK FIRE Planner — ISA, SIPP & Pension Bridge

FIRE calculator UK — find your FIRE number, Coast FIRE age, ISA vs SIPP advantage, and the pension bridge gap before age 57. Year-by-year simulation under UK rules.

Wealth by Age Calculator

Project your wealth at ages 30, 40, 50, and 60 from current wealth, monthly savings, and an expected investment return rate.

Wealth Growth Timeline Simulator

Simulate wealth growth over 10, 20, and 30-year periods under different monthly savings rates and investment return scenarios.

Will Planning Calculator

Calculate will planning cost — solicitor versus DIY comparison — to weigh the savings against the risk of getting it wrong.

Will vs Intestacy Calculator

Compare will vs intestacy costs with this calculator. Estimate net savings from creating a will based on estate value and intestacy loss rate.

Windfall Decision Calculator

Allocate a financial windfall across high-interest debt, emergency fund, long-term investing, and discretionary spending.

Windfall Optimal Split Calculator

Split a windfall across debt payoff, savings, investment, and discretionary spend by percentage — see the cash amount each bucket receives.

Years to Retirement Calculator

Years to retirement calculator with projected balance. Enter current age and target age to see years remaining and retirement savings projection.

Young Person Financial Milestones Calculator

Project your savings balance at a target age with this young person financial milestones calculator using contributions and compound growth.