Financial Planning Tools for Internationally Mobile HNW Individuals

Managing wealth across multiple currencies, jurisdictions, and asset classes creates an information and planning challenge that simple spreadsheets do not solve well. The good news is that the financial technology landscape has produced a range of tools — from sophisticated adviser-grade cashflow modelling to consumer-level aggregation apps — that make it substantially easier to understand your overall financial position and plan effectively.

This guide covers the tools most relevant to internationally mobile HNW individuals: what they do, what they cost (where public), and where their limitations lie.

Cashflow Planning Software: What Advisers Use

The most sophisticated financial planning tool for complex situations is the cashflow model — a multi-year projection of all income, expenditure, assets, liabilities, taxes, and investment returns, adjusted for inflation. These models sit at the core of professional financial planning.

Voyant Adviser

Voyant is one of the most widely used cashflow planning platforms in the UK, used by IFAs, wealth managers, and financial planners across the industry. It is an adviser-facing tool — not available to members of the public directly.

What a Voyant model does:

• Projects your financial position year by year to age 100+
• Incorporates income from all sources (employment, pensions, investments, rental income)
• Models expenditure (current spending, planned large expenditures, one-off costs)
• Applies tax at each stage (income tax, CGT on investment realisations, IHT on death)
• Tests "what if" scenarios (retiring five years earlier; moving abroad; selling a property; a major market downturn)

The output typically includes a graph showing the projected wealth over time under different scenarios, identifying at what point (if any) wealth is exhausted, and what spending levels are sustainable in retirement.

Voyant supports multi-currency projections, making it relevant for internationally mobile clients — though the tax modelling for non-UK jurisdictions is more limited than its UK tax engine.

Truth Financial Planning Software

Truth is an alternative cashflow planning tool used by UK advisers, known for its sophisticated UK tax modelling (particularly pension, ISA, and IHT planning). It produces detailed annual income and tax projections and is considered particularly strong for retirement income planning.

Intelliflo (now part of InvestCloud)

Intelliflo is primarily a practice management platform for financial advice firms but includes cashflow planning functionality. Many large UK IFA firms use Intelliflo as their back-office system.

The limitation: all three of these tools are adviser-facing, not publicly available. You cannot log in to Voyant directly — you access the modelling through your financial adviser. If your adviser does not use cashflow planning, ask why — it is now considered best practice for any complex financial situation.

Personal Finance Aggregation Tools

For individuals who want visibility across their accounts without a professional financial planner:

Moneyhub

Moneyhub is an Open Banking-powered financial aggregation platform. It connects to UK bank accounts, investment accounts, pensions, and property values, and presents a unified view of your net worth.

Features:

• Real-time account balance aggregation across hundreds of UK institutions
• Net worth tracking over time
• Budgeting and spending categorisation
• Pension aggregation (connects to major pension providers)
• Property value estimates (via Zoopla data)

A premium subscription is required for the full feature set. The major limitation: connections are primarily to UK financial institutions. International accounts require manual input.

Emma

Emma is a popular consumer money management app (iOS/Android) with Open Banking account connections. Better known for budgeting and spending analysis than investment tracking. Useful for younger internationally mobile individuals managing multiple UK current accounts.

MoneyDashboard

Another Open Banking aggregation tool with strong UK bank connectivity. Focuses on spending categorisation and budgeting.

The gap for internationally mobile individuals: all UK Open Banking tools primarily connect to UK financial institutions. For clients with accounts in the UAE, Singapore, Switzerland, or other non-UK countries, manual tracking or bespoke wealth management platforms are needed.

Pension-Specific Tools

Government Pension Tracing Service

If you have lost track of old workplace pensions from previous employers, the government Pension Tracing Service (gov.uk/find-pension-contact-details) can locate the relevant pension provider using your old employer's name. This is a free service and is useful for individuals who have changed employers frequently.

Research by the Pensions Policy Institute estimates there are over £31 billion in unclaimed or "lost" pension pots in the UK. Anyone who has had multiple employers should use this service to locate any forgotten pensions before considering consolidation.

Provider Calculators

Most major pension providers offer online retirement projection calculators. These project the likely pension value at retirement based on current fund size, contribution level, and assumed growth rate. They typically use standardised growth assumptions (required by FCA to use scenarios of 2%, 5%, and 8% growth per year) and do not model individual tax in detail.

These calculators are useful for ballpark planning but not for detailed financial planning.

DB Transfer Value Calculators

For defined benefit (final salary) pension members considering a transfer to a SIPP: the transfer value represents the capitalised value of the pension promise. Understanding whether this is a fair valuation requires comparing the CETV (cash equivalent transfer value) against the benefits being given up. The "critical yield" (the annual return required from the SIPP to match the DB pension in retirement) is a key metric. This calculation is complex and requires a specialist financial adviser with DB transfer permissions.

Tax Calculators and Self-Assessment Tools

HMRC's Own Calculators (gov.uk)

HMRC provides a range of online calculators for specific purposes:

• Income tax and NI calculator (estimates tax on employment income)
• CGT calculation tool (for residential property disposals — the 60-day CGT return)
• Inheritance tax calculator (estimates IHT liability given estate values)
• State pension forecast (accessible via the Check your State Pension tool)

These are useful for specific calculations but are not comprehensive planning tools.

GoSimpleTax and TaxCalc

GoSimpleTax and TaxCalc are consumer and professional-facing self-assessment tools. They guide UK taxpayers through the self-assessment return and calculate tax owed. GoSimpleTax is popular for straightforward cases; TaxCalc is the professional tool used by accountants.

For internationally mobile individuals with complex returns (foreign income, non-resident status, NRCGT returns), a professional accountant is generally more appropriate than a consumer tool.

Simply Tax / TaxScouts

Consumer platforms offering self-assessment filing services. TaxScouts pairs clients with an accountant to file their return; cost typically under £200 for a standard return. Not suitable for complex international situations.

Currency Tools

Wise (formerly TransferWise) Currency Converter

Wise is both a multi-currency account platform (allowing you to hold and convert between currencies at mid-market rates) and a currency converter tool. For internationally mobile individuals making regular currency conversions, Wise is typically substantially cheaper than a bank.

Wise currency accounts can hold 40+ currencies and are accessible via app. Particularly useful for receiving income in one currency and spending in another.

XE.com

XE.com provides real-time exchange rates and historical rate data. Its rate alerts function notifies users when a target exchange rate is reached. Useful for planning large currency conversions.

OANDA

OANDA provides professional-grade currency tools including historical exchange rate data for any date going back decades. This is useful for tax purposes: calculating the sterling cost of a foreign asset purchased years ago requires the exchange rate on the date of purchase.

The Wealth Dashboard Concept

The most sophisticated approach to managing complex, multi-jurisdiction wealth is a unified wealth dashboard — a single view of all assets, liabilities, income streams, and financial goals. This is what private banks and wealth managers provide to their HNW clients.

A professional wealth manager's dashboard typically includes:

• All investment portfolios (regardless of where held) at current market value
• Property values (with outstanding mortgages netted off)
• Cash and bank balances (across multiple currencies)
• Pension fund values
• Total net worth in a base currency
• Asset allocation breakdown
• Income and expenditure projection
• Tax status

The technology underlying these dashboards varies: some use proprietary systems; others use platforms like Coutts' InvestEngine, Schroders' Benchmark platform, or third-party wealth aggregation platforms.

For individuals without a wealth manager, the closest approximation is to build a structured spreadsheet (or use a premium financial aggregation tool like Moneyhub or Wealth Wizards) with manually updated inputs from non-UK accounts. It is more work, but the discipline of regular updating forces engagement with your overall financial position.

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Financial tools and platforms change rapidly. Specific products, pricing, and availability mentioned in this article reflect the position as of mid-2026 and may have changed. This article is for information only.

How Global Investments can help

Global Investments provides clients with a comprehensive picture of their financial position — across all assets, jurisdictions, and currencies — as part of ongoing wealth management. Our advisers use professional cashflow modelling to project retirement income, test scenarios, and stress-test financial plans against market shocks. We also coordinate the financial data that clients need for tax returns, estate planning, and investment decisions. Contact our team to discuss how we can help you gain visibility and control of your global financial position.