Wealth questions, answered.
A focused library of calculators for retirement, risk, lifestyle and tax decisions. Universal calculators work in both markets via a UK / US toggle. Jurisdiction-specific tax tools are clearly marked.
Foundations - Start Here
Get the picture of where you stand today. These four answer the questions everyone needs first: net worth, cash flow, savings rate, and emergency buffer.
Net Worth
Total assets minus liabilities, separating liquid from locked. See what you can actually live on today versus your full balance sheet.
Monthly Cash Flow
Map your income and spend across eighteen categories. See the monthly surplus, savings percentage, and where every pound actually goes.
Savings Rate
The most important number in personal finance. See your rate, your years-to-FIRE, and how each band shifts retirement age.
Emergency Fund
Three-to-six months is just a start. Get a personalised number based on employment type, dependents, and income redundancy.
Credit Card Payoff
Avalanche pays the highest rate first and saves the most money. Snowball clears the smallest balance first and builds momentum. See both timelines with your debts.
Wealth Velocity
Income tells you what flows in. Net worth tells you the stock. Velocity tells you the rate of change. The single most honest measure of progress.
Retirement Path
From when can I retire to what does my portfolio cover today. The full arc of financial independence, broken into the questions that actually move decisions.
FIRE Calculator
Your FIRE number and FIRE date in thirty seconds. Includes a liquidity gap warning if you'd retire before pension age.
Coast FIRE
The moment your portfolio grows into retirement on its own. After Coast, you can downshift, switch careers, or simply save less.
Stages of Independence
Instead of one big retirement number, see what your portfolio already covers. Groceries free? Utilities free? Rent free?
One More Year
Just one more year is the most expensive sentence in personal finance. See exactly what each extra year of work adds to retirement.
Drawdown Order
Taxable first, tax-free first, tax-deferred first, or proportional? The order you draw from your accounts in retirement can extend the portfolio by years.
Risk & Protection
What could go wrong and how to know if you're covered. Insurance gaps, life-event resilience, and historic stress tests against the worst sequences in modern markets.
Insurance Traffic Light
A sixty-second assessment of your life, disability, property, liability and health cover. Red, amber, green by category.
Self-Insurance Threshold
When does your portfolio mean you can drop life insurance? The crossover point when you can insure yourself.
Sequence Risk Stress Test
Could your retirement survive 1973? 2000? Or 2008? Run your portfolio against three of the worst sequences in modern history.
Stock Concentration Risk
One stock making up a big chunk of net worth? The honest answer most equity-comped tech workers do not get from company comms. Three scenarios scored against historical reality.
Interest Rate Stress Test
Bond funds drop, long-duration stocks drop, real estate drops via cap-rate compression. Your fixed-rate mortgage gets cheaper in real terms. Net effect on net worth: see the number.
Lifestyle & Spending
The decisions that fly under the radar but compound over decades. Cars, subscriptions, your real hourly wage, and the inflation rate that actually applies to your basket.
Real Hourly Wage
After tax, commute, work expenses and childcare, what does your time really pay? Usually a real step below the obvious number.
True Cost of Car
Add depreciation, financing, fuel, insurance, tax, and maintenance. The all-in monthly cost is usually a multiple of the finance payment.
True Price of Subscriptions
A small monthly subscription costs much more than its sticker. See what they really cost over decades of compounded lost growth.
Personal Inflation
The CPI is an average. Your inflation depends on what you actually buy. Calculate the real number for your spending pattern.
One Purchase Real Cost
What does that recurring monthly spend actually cost over a lifetime? Twenty a month forever sounds harmless. With compounding, it is the price of a small family car.
Habit Lifetime Cost
Daily smoke, regular drink, daily coffee. Run the compound maths on what a daily habit costs over a lifetime in future wealth, not just cash.
Lifestyle Creep
Did your last raise actually save you anything? See how much of each raise landed in savings and how much got absorbed into living larger.
Side Hustle Real Rate
That headline hourly gig rate is not what hits your bank. Tax, self-employment NI or FICA, unbilled admin, equipment. See the real per-hour number after everything.
Pet Lifetime Cost
Food, vet, insurance, boarding, training, grooming, end-of-life. Most owners do not run the maths until they are already in. Run it first.
Stay vs Hop
The unvested RSUs you'd forfeit by leaving are not free money. They are risky, illiquid single-stock exposure. Put both offers on the same scale, net of forfeitures, over four years.
Maternity / Paternity Leave Cost
Statutory pay vs actual salary is one gap. Lost equity vesting is another. Long-term career trajectory effects are usually the biggest. The three costs in one view.
Cost of a Child (18 years)
Honest maths on the lifetime cost of raising a kid. Direct spend plus the compound on what you do not get to save. Then divide by the moments of joy.
Childcare vs Second Salary
After childcare, commuting, and the tax that hits the second earner harder, the extra income is often half what people think. See the year-one net plus the career-capital long-run.
University Funding
Set the bill, set the years to fund, work backwards to monthly savings. Inflated cost at the start year so the plan arrives covered.
Startup Equity
What is your private-company equity actually worth? Strike price, current valuation, dilution, exit scenarios, probability-weighted, pre-tax.
Sabbatical Cost
Lost salary is the obvious bit. Lost RSU vesting, lost compounding and cash burn during the break are the real numbers. Most people massively underestimate.
Job Offer Comparison
Three offers, four years, COL-adjusted net of tax. Vest schedules, sign-on amortisation and benefits all flow into one comparable number.
RSU Portfolio Dashboard
Track every grant, every vest, every year. Total comp this year, unvested value, next 12 months, and concentration risk in one view.
Property
Big property decisions, broken into the underlying math. Buy or rent over your time horizon, and whether to overpay or invest the difference.
Buy vs Rent
Both scenarios projected over your time horizon. Includes deposit opportunity cost, transaction costs, maintenance, and breakeven year.
Mortgage vs Invest
Overpay the mortgage or invest the extra cash? Compares guaranteed mortgage rate versus expected return, month by month.
Affordability
How much house you can actually afford. Three constraints checked together: income multiple, deposit minus stamp duty or closing costs, and monthly payment versus net income. See which one is your ceiling.
Property Leverage IRR
A mortgage is leverage. Four per cent property appreciation on a twenty-five per cent deposit is sixteen per cent on equity. Plus rent. Minus interest. See the IRR.
Investing & Tax - Universal
The cost-side optimisations that work in both markets. Fees compound against you over decades; tax-loss harvesting recovers losses you've already taken.
Asset Allocation by Age
Stocks, bonds, cash by age and stage. The 110-minus-age rule, glide paths, and risk-tolerance-adjusted mixes. See where each pound or dollar of your portfolio belongs.
Management Fees Drag
A small percentage fee sounds tiny. Over decades it can eat a large slice of your final portfolio. See the real damage.
Tax-Loss Harvesting
Realised losses can offset realised gains. With wash-sale (US) or share-matching (UK) rule warnings built in.
Lump Sum vs DCA
Bonus, inheritance, or sale proceeds to invest? Lump sum beats dollar-cost averaging in about two-thirds of historical periods. See the maths at your numbers.
Hold vs Diversify
If you had sold every RSU vest and bought an index instead, where would you be? Run the simulation, then read the survivorship-bias note before letting hindsight drive future decisions.
UK Tax Tools
UK-specific tax engines with current HMRC bands, NI rates and annual allowances built in. The most leveraged moves available to a UK earner, with exact numbers.
Salary Sacrifice UK
Trade take-home for pension. Save income tax and National Insurance (employee plus employer rebate). The headline UK pension move.
Bonus Sacrifice UK
Take the bonus or sacrifice it? Bonuses pay at your top marginal rate; sacrificing keeps the lot working for decades.
UK Pension Waterfall
The optimal sequence: capture match, then salary sacrifice, then LISA if eligible, then carry-forward, then ISA overflow.
Pension Carry-Forward
Unused allowance from the last three years can be carried forward, often substantial extra room in a bonus year.
LISA vs SIPP
Which gives more retirement after withdrawal tax? Depends on your current rate versus your retirement rate.
EIS / SEIS UK
Income tax relief plus loss relief makes the after-tax cost of a total loss surprisingly small.
UK Tax Rights Wizard
A guided audit of ISA, pension, LISA, EIS, VCT, CGT and dividend allowances. Surfaces every pound of unused tax-free room.
Equity Comp Engine UK
RSU, ESPP, EMI, SAYE, SIP, full UK equity comp breakdown with income tax, NI and CGT timing for each scheme.
FIRE UK (Account-Aware)
UK FIRE with proper account buckets: ISA, GIA, SIPP, LISA. Optimal withdrawal sequencing to minimise tax in retirement.
Buy vs Rent UK (with SDLT)
UK Buy vs Rent with Stamp Duty Land Tax bands built in. First-time buyer relief and additional property surcharge handled.
Marriage Allowance UK
Free £252 a year if one spouse earns under the personal allowance and the other is a basic-rate taxpayer. Backdate four years for a lump-sum top-up.
UK Tax Cliffs
Four UK tax cliffs hit high earners: child-benefit clawback, the £100k taper, additional rate, and pension allowance taper. See where you sit and what each next £10k costs.
UK Inheritance Tax
£325k nil rate band, £175k residence band for property passing to children. Estate above £2m loses the residence allowance. Taxed 40% on the rest.
CGT Allowance Calendar
Post-2024/25 the CGT annual exempt amount is £3,000 (£6,000 between spouses). Disciplined annual harvesting versus one-shot liquidation, with the tax saved made explicit.
Remortgage Timing (2yr vs 5yr)
The break-even rate is the future rate at which both fixes cost the same in total. Below it, the 2yr wins. Above it, the 5yr is the insurance you'd be glad you bought.
Buy-To-Let Yield (Section 24)
Section 24 turned mortgage interest from an expense into a 20% tax credit. For higher-rate landlords that can flip cash-positive properties into losses.
Ltd Co vs Sole Trader
Compare net take-home for contractors and freelancers. Corporation tax, dividend tax, NI, marginal CT relief, all in 2025/26 bands.
Student Loan (Plan 2 / Plan 5)
Plan 2 and Plan 5 are graduate taxes, not normal debt. Repayment depends on income, not balance. See whether you'll actually repay before write-off.
US Tax Tools
US-specific tax accounts and strategies. Current IRS limits embedded. HSA, Backdoor Roth, state tax optimisation, and the equity comp complexity stack including ISO/AMT.
HSA Triple-Tax
The only triple-tax-free US account: pre-tax in, tax-free growth, tax-free out. Plus FICA savings via payroll.
US Savings Waterfall
The right order: 401(k) match, HSA, Backdoor Roth, 401(k), Mega Backdoor, Taxable. Step-by-step recommendation.
Backdoor & Mega Backdoor Roth
High earners cannot contribute directly to Roth. The backdoor and mega backdoor routes still work, with pro-rata warnings.
State Tax Optimizer
Moving to a no-tax state can save a real sum each year. Run your delta versus the cost-of-living change.
US Tax Rights Wizard
A guided audit of 401(k), HSA, IRA, Backdoor, Mega Backdoor, 529, charitable, and state tax position.
Equity Comp Engine US (RSU/NSO/ESPP)
The full US equity comp stack except ISOs. Tax timing for RSU vest, NSO exercise, and ESPP qualified versus disqualified disposition.
ISO with AMT
Incentive Stock Options trigger Alternative Minimum Tax on exercise. The hardest calc in US equity comp, with CPA-consultation warnings.
FIRE US (Account-Aware)
US FIRE with 401(k), Roth, HSA and taxable buckets. See your bridge to fifty-nine-and-a-half and which accounts cover it.
Buy vs Rent US (with MID)
US Buy vs Rent with mortgage interest deduction, property tax, and the standard-deduction trap that catches most first-time buyers.
Mortgage vs Invest US (with MID)
Overpay or invest? With MID adjustment, the after-tax mortgage rate that actually matters in the comparison.
LTCG 0% Bracket Harvest
The 2025 0% LTCG bracket extends to $48,350 single / $96,700 MFJ. In low-income years, realise gains tax-free and step up your basis.
Roth Conversion Ladder
Retiring before 59½? The ladder converts Traditional to Roth in low-income gap years; each tranche is accessible tax-free five years later.
US Estate Tax
$13.99M federal exemption per person in 2025. Scheduled to halve at the 2026 sunset. State estate tax overlays in 12 states plus DC.
Student Loan Strategy
Federal vs private. PSLF vs refinance vs standard. Federal protections are worth real money, refinancing eliminates PSLF permanently.
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Illustrative figures only. For your specific situation, consult a qualified advisor.
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