Planning Calculators

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.

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.

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

Weigh up the money side of changing careers. Compare salary before and after plus transition costs to see the net financial impact over your chosen horizon.

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.

Coast FIRE Planner

Coast FIRE planner: project whether your current investments can grow to your retirement target with no further contributions, year by year, in any currency.

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.

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.

Net Worth & Cashflow Life Planner

Net worth projection planner: map income, expenses, debts, assets and life events to see your cashflow and net worth year by year. Free, private, in-browser.

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.

Salary & Income Growth Projection Calculator

Project your future salary and income across different growth-rate scenarios. See how raises and career progression compound over 10 to 20 years.

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.

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.

Raise Negotiation Calculator

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

Trust Fund Growth Calculator

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

Wealth Growth Timeline Simulator

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

Windfall Optimal Split Calculator

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