Money Insights Calculators

Break-Even Age Calculator

Calculate the age you reach a target net worth, from your current net worth, annual savings and an assumed return. Shows years to target.

Cost of Procrastinating Investing Calculator

Calculate the opportunity cost of delaying investing for years through compound growth lost on the contributions you didn't make.

Financial Age Calculator

Compare net worth against an age and income benchmark to see whether your finances read younger or older than your actual age.

Financial Independence Age Calculator

Find the age invested savings reach a financial independence target, from your current balance, annual contributions, return and withdrawal rate.

Financial Life Simulator

Project retirement savings from your age, income, savings rate, expected return and target retirement age, and see what 4% a year would draw.

Financial Regret Cost Calculator

Calculate what a past financial decision has cost in compounded terms: enter the amount, the years since and a return rate to see today's opportunity cost.

Hidden Payslip Calculator

Calculate take-home pay after income tax, payroll contributions, health insurance and retirement deductions to see what share of gross never arrives.

Impulse Buy Lifetime Cost Calculator

Calculate multi-decade cost of impulse buying including the investment opportunity cost of redirecting that spend into long-term assets.

Lifetime Earnings Calculator — Total Career Income

Estimate total career earnings from your salary, age, retirement age and an assumed growth rate. See how compounding raises the lifetime figure.

Millionaire Calculator

Calculate how many years it takes to reach a seven-figure target from your current balance, monthly savings, and expected annual investment return.

Net Worth Growth Rate Calculator

Work out the compound annual growth rate between two net worth figures over any number of years, with total change in cash and percentage terms.

Overpaying Calculator

Calculate how much extra you pay versus market rate on recurring expenses over multi-year periods. Enter monthly cost to see total overpay and monthly.

Price of Life Calculator

Estimate lifetime spending on housing, food, transport and leisure. Project your remaining years forward at an inflation rate you choose.

Real Cost of a Job Calculator

Work out what a job really pays after commute, childcare, lunches and clothing, and what an hour actually returns once travel time is counted.

Salary Illusion Calculator

Compare the advertised hourly rate on a salary with the true rate after tax, commute time and the value of benefits, using your own figures.

Sleep Financial Worth Calculator

Put a figure on a sleep shortfall by applying a productivity rate you choose to your salary over a period you set. Every rate is an input.

Spending Ratio Calculator

Calculate your spending ratio and see how monthly income splits across housing, food, transport, entertainment and other expense categories.

True Cost of Bad Habit Calculator

Work out what a daily habit costs over the years, and what the same money would have grown to if invested instead, with both figures shown side by side.

Wealth Accumulator Scorecard Calculator

Compare net worth against the Millionaire Next Door benchmark of age times income divided by ten, and see which of the four accumulator bands it falls in.

Wealth Gap Calculator

Work out the gap between your net worth and a reference figure, and how many years of out-saving that reference it would take to close it.

What Your Employer Really Costs Calculator

See what an employee really costs an employer: salary plus benefits, payroll contributions, workspace and equipment, and the multiplier on gross pay.