Free Tools

How Long Will Your Retirement Fund Last?

Put in your retirement fund, the paycheck you want each month and the age you stop working. It runs your plan through 150 years of real market history and shows how often the money lasted, and the worst case if the bad years come early. Free, no download, runs in your browser.

Holiday and Experience Tracker

Set one pot aside for a holiday, a race, a birthday, anything you decided was worth the money. Put your dates in and it tells you what a day costs, so you can spend without doing sums in your head. Log as you go, see where it actually went by category, and when it's over write down what you'll remember and what you'd fund differently. That figure becomes next year's starting number. Free, no sign-up, saves on your phone.

Where Can You Actually Retire?

Before you fall in love with the photos, find out which countries would actually let you stay. Answer six questions and it checks you against 52 visa routes across 18 countries, one route at a time, using the published rules. You see which ones you meet, which ones the rules are silent on, and which ones shut and why. Every line links to the government page behind it. Free, no download, runs in your browser.

Write Your Vision

You can't hit a goal you can't see. Tell it about one ordinary Tuesday in the life you're working toward, typed badly, two minutes is plenty. It writes that day back to you as 3 vision statements in your own words, each one starting with a year and an age, and it names the parts of a good life you left out. Free, no download, runs in your browser.

The Real Cost of Fees

Fees and slow returns do not feel big year to year. Over decades they quietly take a large piece of your future. Put in your numbers and watch the gap between a high-fee setup and your own low-cost plan grow year by year. Free, no download, runs in your browser.

Early Retirement Calculator

Enter your age, your savings and what you invest each year, and see whether you are on track to retire before 60. It shows your CoastFIRE point, the year your investments can carry themselves, and how much earlier that arrives if you save a little more. Free, no download, runs in your browser.

Plan Reality Check

Someone offered you a plan with guaranteed payouts. Put the numbers in and see what it actually returns after inflation, what it returns if you spend the payouts instead of reinvesting them, and how it compares to a benchmark you pick yourself. Free, no download, runs in your browser.

Life Insurance Need Calculator

Find out how much life insurance you actually need, adjusted for inflation and your existing cover. It sizes your number three ways and shows your exact gap, so you know whether you're overpaying or underprotected. Free, no download, runs in your browser.

Education Cost Calculator

Plan for up to five children from a single spreadsheet. Enter each child's curriculum — British, American, IB, Indian, or Philippine K-12 — and their current tuition per stage. The calculator projects inflation-adjusted costs year by year, then works out how much you need to save monthly across best, mid, and worst case return scenarios. The glide path adjusts automatically as each child gets closer to needing the money.