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 between university degree and apprenticeship route over career. Enter university cost and university years for an instant result.

Barista FIRE Calculator

Calculate Barista FIRE target for partial financial independence with part-time income. Enter expenses and partial income annual for an instant result.

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 and inflation. Enter care cost and other income monthly for an instant result.

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 — minimum savings to compound into full FIRE without future contributions. Enter age and see the result instantly.

College Fund Start Age Calculator

Compare college fund savings contributed from birth vs later start to see the compound advantage of early start. Free and runs in your browser.

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 including sale proceeds, new purchase, and transaction costs. Enter home sale price and see the result instantly.

Dream Home Savings Plan Calculator

Plan your dream 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 capital needed for defined years of complete financial independence from ongoing employment. Enter expenses to see f-you money target and base amount.

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. Enter portfolio and expenses for an instant result.

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 monthly savings allocation. Enter short-term goal and see the result instantly.

Financial Independence Country Calculator

Calculate your FI number adjusted for relocation to a different cost-of-living country. Enter annual expenses and withdrawal rate for an instant result.

Financial Runway Calculator

Calculate financial runway in months from cash reserves, monthly expenses, and any income. Free calculator with the working shown and a worked example.

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

Plan first-job finances with monthly surplus, savings rate, and retirement and emergency fund targets. Enter salary and rent for an instant result.

Frugal vs Lifestyle Inflation Calculator

Calculate the long-term cost of lifestyle inflation: what you would have saved if income increases went to savings instead of 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. Enter plan cost today and funeral cost for an instant result.

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 over multiple generations with sustained savings and returns. Enter starting amount and see the result instantly.

Graduate Salary Expectation Calculator

Project graduate career salary curve. See salary at any year and lifetime earnings total. Enter starting salary and see the result instantly.

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. Free calculator with the working shown and a worked example.

Inheritance Planning Calculator

Estimate inheritance tax on a future estate. Configurable for any country's rules. Enter estate value and local estate tax threshold tax-free for an instant result.

Inheritance Split Calculator

Calculate per-heir inheritance share after debts, expenses, and charitable contributions from total estate. Free and runs in your browser.

Investment Minimum for Financial Independence

Calculate the minimum lump sum to invest today to reach a financial independence number by a target age. Enter fi number and years to fi for an instant result.

Lean FIRE Calculator

Calculate Lean FIRE number for minimalist early retirement. See the target and years to reach it with modest expenses. Free and runs in your browser.

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 expected value of a Lasting Power of Attorney against court costs using probability-weighted math. Enter lpa setup cost and see the result instantly.

Major Life Event Cost Calculator

Calculate the full cost of a major life event (wedding, birth, divorce, move) including direct costs, lost income, and setup costs.

MBA vs Work Experience Calculator

Compare MBA path vs staying in work over years. See total earnings and which path pays better financially. Enter mba program cost and see the result instantly.

Minimum Viable Income Calculator

Calculate minimum annual gross income needed to cover essential monthly expenses after tax. Enter housing and food for an instant result.

Multi-Generational Wealth Calculator

Project wealth across three generations with compound growth. Shows the power of long-horizon compounding. Enter starting wealth and see the result instantly.

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 FIRE portfolio. See the increment to balance and safe annual income. Free and runs in your browser.

Power of Attorney Cost Calculator

Calculate total Power of Attorney setup cost. Solicitor plus registration fees. Enter solicitor fee per lpa to see total cost of setting up power of attorney.

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

Calculate the lifetime value of a successful raise negotiation including compound future raises on the higher base. Enter salary and see the result instantly.

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

Combine state pension, private pension drawdown, and other income sources into a total retirement income figure. Free and runs in your browser.

ROI on Education Calculator

Calculate lifetime ROI on education: salary uplift over working life vs total course cost and income foregone. Free and runs in your browser.

Sabbatical Savings Calculator

Calculate how much to save for a planned sabbatical. Covers living costs, opportunity cost, and return-to-work buffer. Free and runs in your browser.

Spending Category Analyzer

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

Startup Fund Calculator

Calculate how much it helps to save personally 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 their weighting. Enter beneficiary a weight and beneficiary b weight for an instant result.

Trust Fund Growth Calculator

Project the future value of a trust fund given initial principal, annual contributions, growth rate, and horizon. Instant result, no signup.

Wealth by Age Calculator

Project your wealth at ages 30, 40, 50, and 60 based on current wealth, savings, and expected return. Free — transparent math, no signup.

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 vs DIY comparison. Enter solicitor will cost and diy will cost for an instant result.

Will vs Intestacy Calculator

Calculate expected saving from setting up a will versus dying intestate. Enter will cost and estate value for an instant result.

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 into debt payoff, savings, investment, and spend by percentage. See the cash amounts for each bucket. Free — transparent math, no signup.

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 savings balance at target age for young people building financial milestones. Instant results from your inputs, with the methodology visible.