Planning Calculators

Annuity Payout Calculator — Income From a Lump Sum

Calculate the monthly income a lump sum pays over a fixed period. Enter a balance, rate, and term to see the payment, total paid, and interest.

Apprenticeship vs University Calculator

Compare total earnings from a degree route against an apprenticeship route over a chosen period, netting off study costs and the years spent not earning.

Buy vs Lease Car Calculator

Compare buying a car outright with leasing it over a matched period, netting resale value off the purchase so both paths are measured by what the period costs.

Career Break Finances Calculator

See what a career break costs, split into living expenses, forgone salary and missed employer retirement contributions, and what leaves savings.

Career Change Financial Impact Calculator

Compare two careers over a chosen number of years: the salary difference, the income forgone during the gap, and what the move costs to make.

Children's Education Fund Calculator

Work out the monthly saving needed to reach a children's education target, from the cost per year, the years of study and the time left.

Coast FIRE Calculator

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

Expense Inflation Forecast Tool

Project a monthly budget forward with housing compounding faster than the rest, and see what the total costs after a chosen number of years.

F-You Money Calculator

Size the capital that covers your living costs for a set number of years without income, from annual spending, the years to cover and an inflation buffer.

Financial Independence Country Calculator

See how relocating changes a financial independence target, by adjusting annual expenses for cost of living and applying a withdrawal rate.

Generational Wealth Calculator

Compound a family balance across several generations of saving and returns, and see how much of the result is contribution and how much is growth.

Graduate Salary Expectation Calculator

Project a graduate salary curve from a starting figure and an assumed growth rate: salary at any year, lifetime earnings and the career average.

Salary & Income Growth Projection Calculator

Project a salary forward at a chosen annual growth rate, over one to forty years, and see the increase and the monthly equivalent.

Living on One Income Calculator

Compare essential monthly spending against a single household income and see the surplus or shortfall on the larger earner and on the smaller.

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

Count the years, months, weeks and monthly pay packets between your current age and the retirement age you choose, in one subtraction.

One More Year Calculator

See what one more year of work adds to a retirement portfolio, and how much of that increment the market would have delivered anyway.

Raise Negotiation Calculator

See what a negotiated raise is worth across a whole career, once every later increase compounds on the higher base salary.

Trust Fund Growth Calculator

Project what a trust could be worth after a chosen period, from the opening balance, the annual contribution and an assumed growth rate.

Wealth Growth Timeline Simulator

Project how a starting net worth and annual savings could compound over five to fifty years, and see how much of the total is growth, not contributions.

Windfall Optimal Split Calculator

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