Our Network of Financial Modelling Tools

Financial education at the heart of every UK household decision.

Free tools for the moments when money decisions feel complicated—from choosing an ISA to working out what retirement income might look like.

10
Modelling Tools
5
Financial Categories
100%
Free to Use
UK
Tax Year Aware
Our Network

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Why We Build These Tools

A financial education company, by design.

Every tool is built to help people understand a decision before they make it—not just produce a number, but explain what that number could mean for their life.

Education first

Every tool walks consumers through the assumptions behind their result, tax bands, allowances, growth rates, fee drag, so they understand why the number is what it is, not just what it is.

Free, fast, no friction

All modelling tools are free to use with no signup required. Consumers can run scenarios, change inputs and compare outcomes in seconds, the way financial planning should work in 2026.

UK-specific, current

Built for the UK tax system, ISA allowances, pension annual allowance, IHT thresholds, CGT rates, MPAA. Updated for the current tax year so the modelling reflects today's rules, not last year's.

The Network

Tooling across the entire financial cycle.

Nine modelling tools across five categories, covering the financial decisions UK households make from their first ISA contribution through to estate planning in later life.

Category 01
Pensions Modelling
Helping consumers understand what they'll have to live on in retirement, and how today's contribution decisions shape that outcome.
Pension Drawdown Calculator favicon
Pension Drawdown Calculator
pensiondrawdowncalculator.com
Models how long a defined contribution pension pot will last under flexible drawdown, balancing withdrawal rate, growth assumptions and longevity to show the sustainability of a retirement income strategy.
What It Helps Consumers Model
Sustainable withdrawal rates, sequence-of-returns risk, MPAA implications, tax-free cash phasing, and the trade-off between income today and pot longevity.
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SIPP Calculator
sippcalculator.co.uk
Projects the long-term growth of a Self-Invested Personal Pension under different contribution levels, employer matches and investment growth scenarios, with full tax relief modelling at basic, higher and additional rate.
What It Helps Consumers Model
SIPP contribution strategy, marginal-rate tax relief, annual allowance and tapered allowance impact, and the long-run cost of platform fees on retirement outcomes.
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Category 02
Savings & Investing
Tools for the wealth-building years, ISA allowance optimisation, equity returns, position sizing and finding the right trading platform.
ISA Calculator favicon
ISA Calculator
isacalculator.co.uk
The UK's ISA modelling tool, projects the tax-free growth of Cash, Stocks & Shares, Lifetime and Junior ISAs across different deposit, growth and time horizons. Built around the £20,000 annual allowance and current tax year rules.
What It Helps Consumers Model
Tax-free compounding, allowance utilisation, Cash vs S&S split, LISA government bonus impact, and provider-level platform fees on long-term ISA growth.
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Stock Calculator
stockcalculator.co.uk
Calculates total return on individual share positions, capital gain, dividend income, dealing fees and stamp duty, for UK and international equities. Designed for retail investors who want clarity on what a position is actually worth.
What It Helps Consumers Model
Realised & unrealised P&L, dividend reinvestment, FX impact on overseas holdings, dealing cost drag, and per-share break-even analysis.
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Lot Size Calculator
lotsizecalculator.co.uk
Position-sizing tool for retail traders dealing in forex, indices and CFDs, calculates the correct lot size for a given account balance, stop distance and acceptable risk per trade. Built around disciplined risk management, not speculation.
What It Helps Consumers Model
Risk-per-trade as a percentage of account, pip value across instruments, leverage exposure, margin requirement, and the relationship between stop distance and position size.
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Trading Brokers
tradingbrokers.co.uk
The UK's leading broker comparison, review and education site for UK traders. Independent analysis of trading platforms across fees, instruments, regulation, platform quality and account types, helping consumers find the right broker for their needs.
What It Helps Consumers Model
Broker fee comparisons across asset classes, platform suitability for different trading styles, regulatory standing, spread and commission structures, and account minimums across the UK broker market.
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Category 03
Estate Planning
Helping families understand what passes on, what's taxed, and what can be done about it, the most under-modelled stage of UK personal finance.
Inheritance Calculator favicon
Inheritance Calculator
inheritancecalculator.co.uk
Models a household's potential Inheritance Tax (IHT) liability across the full estate, property, pensions, ISAs, investments and gifts, using the current Nil Rate Band, Residence Nil Rate Band and spousal transfer rules. Designed to make the UK's most opaque tax visible to ordinary households.
What It Helps Consumers Model
NRB & RNRB utilisation, taper relief on lifetime gifts, business and agricultural property reliefs, the IHT impact of pension wrappers, and the effect of gifting strategies on the eventual estate liability.
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Category 04
Tax Modelling
Standalone tax-decision tools, built around current HMRC allowances, thresholds and rates so consumers know the real cost of their financial decisions.
Capital Gains Tax Calculator favicon
Capital Gains Tax Calculator
capitalgainstaxcalculator.co.uk
Calculates Capital Gains Tax liability across shares, funds, property and crypto disposals, using the current annual exempt amount and the basic/higher rate split. Helps consumers plan disposals to minimise tax friction across tax years.
What It Helps Consumers Model
Annual CGT allowance utilisation, residential vs non-residential rates, Bed & ISA optimisation, loss carry-forward, and cross-tax-year disposal sequencing for spouses.
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Category 05
Debt & Credit
Tools that bring transparency to revolving credit, repayment schedules and the true cost of borrowing, the area where UK consumers most often need help.
Credit Card Calculator favicon
Credit Card Calculator
creditcardcalculator.co.uk
Models repayment schedules across UK credit cards, showing the total interest cost, full repayment timeline and the “minimum payment trap” that keeps balances on the books for decades. Designed to make borrowing decisions transparent before they're made.
What It Helps Consumers Model
Minimum vs fixed repayment paths, interest paid over the life of the balance, balance transfer break-even, and the true cost of carrying revolving debt versus consolidating it.
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APR Calculator favicon
APR Calculator Coming Soon
aprcalculator.co.uk
A standalone APR comparison tool, converting headline rates, fees and term length into a single comparable cost-of-credit figure. Built to help consumers cut through misleading credit advertising before signing.
What It Will Help Consumers Model
Representative vs personal APR, fee-inclusive cost of credit, secured vs unsecured borrowing comparison, and the true headline rate behind “0% intro” offers.
Launching in 2026
The Financial Cycle

Built around how UK households actually live.

Our network of tools maps to the real stages of a financial life, from the first ISA contribution in early adulthood through to estate planning in later life. Every tool exists because households need help at that stage.

1

Build & Save

ISA, Stock & Lot Size tools for the wealth-building years.

2

Invest for Retirement

SIPP modelling for long-term tax-efficient pension saving.

3

Manage Debt

Credit Card & APR tools for transparent borrowing decisions.

4

Draw Income

Pension Drawdown & CGT tools for the decumulation years.

5

Pass On Wealth

Inheritance Tax modelling for estate planning & gifting.

Boardroom interior used for strategy sessions
Why It Matters

Financial education is the gap. Tools are how we close it.

Most UK households make their largest financial decisions, how much to put into a pension, when to draw down, whether to use an ISA, what their estate will owe in IHT, with little more than a spreadsheet and a hunch. Professional advice exists, but it's expensive and out of reach for most people.

Our network of free modelling tools sits in that gap. They don't replace advice, but they give consumers something they didn't have before: a clear, current, UK-specific way to model the decisions in front of them, and to understand the trade-offs before they commit.

"Better financial decisions start with better financial understanding. Our tools exist to make that understanding free, fast and available to every UK household."

Explore the network.

Every tool above is free to use, requires no signup, and is built for UK consumers. Pick the category that matches the decision you are working through, or get in touch if you want to understand the wider picture.

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