Free tools
Run your own numbers before you talk to anyone
Five fully functional calculators, each with its stated assumptions shown in plain view. No sign-up, no email gate, no cost — and no pretending the output is a guarantee. Estimates are educational; the real plan comes from a conversation.
Retirement calculator
Project your retirement balance at different ages, savings levels, and return assumptions — with a 4% income estimate and a sensitivity table.
Project your retirementLife insurance needs
A needs-analysis estimate: income support, mortgage, debts, education, and final expenses — minus what you already have. The full breakdown is shown.
Estimate your coverageCompound growth
Watch contributions and growth build year by year — with a chart, a breakdown table, and the contribution-to-balance ratio that explains compounding.
See compounding in actionMortgage protection
What it would take to keep the house, clear the debts, and fund essentials for a set number of years — net of your emergency fund.
Size your protectionDisability income protection
Your income-protection gap: target replacement income, minus group benefits and other income — the number to bring to a coverage review.
Measure your gapHow to use them
Three things worth knowing
Assumptions are shown
Every calculator displays the assumptions behind its output — return rates, withdrawal heuristics, coverage concepts. Change an assumption, re-run, and see what moves.
Estimates, not promises
None of these tools predicts guaranteed outcomes. Markets move, underwriting decides, and life changes. They're built to make the real conversation sharper, not to replace it.
Private by design
Calculations run in your browser. Your inputs are never sent anywhere, stored, or tracked — reset the form whenever you like.
Got numbers? Let's make them a plan.
Bring your calculator results to a conversation and we'll pressure-test the assumptions together — in plain language, in writing.