Financial Planning Calculators
Practical tools to help you model pension decisions, residence status, and retirement planning — built for UK nationals and international investors.
The calculators clients reach for first.
Free, indicative and built for a cross-border life — model the big decisions before you make them.
DB Transfer Value Calculator
Calculate your Transfer Value Factor, HMRC critical yield, break-even age, and DB vs transfer comparison for a defined benefit pension transfer.
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Net Worth Calculator
Calculate your total net worth across all global assets and liabilities. Understand your asset allocation, liquidity, and estate planning needs.
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UK Domicile & Residence Test
Assess your long-term UK resident status and understand the IHT implications for your estate under the residence-based rules.
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Pension Gap Calculator
Find out if you are on track for retirement — calculate your pension gap and the monthly contributions needed to hit your target.
Open toolEvery calculator in one place.
Pensions, tax, residence, protection, property and more — choose the tool that matches the question you are trying to answer.
DB Transfer Value Calculator
Calculate your Transfer Value Factor, HMRC critical yield, break-even age, and DB vs transfer comparison for a defined benefit pension transfer.
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State Pension Calculator
Estimate your UK State Pension entitlement based on National Insurance qualifying years. See frozen vs uprated country impact and NI top-up ROI.
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Retirement Calculator
Project your pension pot to retirement and estimate monthly drawdown income. Use alongside the State Pension Calculator for a full picture.
Open toolAnnual Allowance Calculator
Calculate your pension Annual Allowance, tapered allowance if applicable, and carry-forward from previous years.
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Statutory Residence Test
Step-by-step SRT questionnaire — determine UK tax residence status through automatic overseas tests, automatic UK tests, and sufficient ties.
Open toolCaribbean CBI Eligibility Test
Compare all 5 Caribbean citizenship programmes and see which suits your goals, budget, and passport objectives. Results in under 5 minutes.
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Portugal Golden Visa Eligibility
Check whether you qualify for Portugal's fund or cultural investment route and estimate your timeline to citizenship.
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Greece Golden Visa Eligibility
See whether your planned property investment meets the current tiered thresholds (€800,000 in prime areas such as Athens and Mykonos, €400,000 in most other regions).
Open toolUAE Golden Visa Eligibility
Check eligibility across UAE's property, professional talent, and investor routes for a 10-year residence visa.
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EB-5 Investor Visa Eligibility
Assess your eligibility for the US EB-5 programme by investment amount, project type, and job creation requirements.
Open toolCanada Start-up Visa Eligibility
Assess your business and funding eligibility for Canada's Start-up Visa and pathway to permanent residency. Note: the SUV is paused — IRCC stopped accepting new applications after 31 December 2025, with a replacement entrepreneur pilot expected in 2026.
Open toolProtection Needs Assessment
Answer 7 questions to identify your international protection gaps — life assurance, critical illness, income protection, or universal life.
Open toolCover Gap Calculator
Enter your income, existing cover, and liabilities to calculate how much international life assurance you need and see your current gap.
Open toolUK Domicile & Residence Test
Since 6 April 2025 UK inheritance tax is residence-based, not domicile-based. Assess your long-term UK resident status (UK-resident in 10 of the last 20 tax years) and understand the IHT implications for your estate.
Open toolCost of Living Calculator
Compare monthly living costs across 15 popular expat destinations — rent, groceries, utilities, transport, dining, and healthcare.
Open toolLoan & Mortgage Calculator
Calculate monthly repayments, total interest, and an amortisation summary for international property loans or business financing.
Open toolNet Worth Calculator
Calculate your total net worth across all global assets and liabilities. Understand your asset allocation, liquidity, and estate planning needs.
Open toolAttitude to Risk Questionnaire
Answer 10 questions to identify your investment risk profile — from Cautious to Adventurous. A starting point for any investment conversation.
Open toolOffshore Bond 5% Calculator
Calculate your available 5% per annum cumulative withdrawal allowance on an offshore investment bond without triggering a chargeable event.
Open toolUK CGT Calculator
Estimate your UK Capital Gains Tax as a non-resident — property, shares, business assets. Includes PPR relief and rebasing calculations.
Open toolInheritance Tax Calculator
Calculate your estimated UK Inheritance Tax liability and understand the NRB, RNRB, taper relief and planning thresholds.
Open toolFX Transfer Cost Calculator
Compare the cost of sending money abroad via bank vs FX specialist — and see how much you could save.
Open toolPension Gap Calculator
Find out if you're on track for retirement — calculate your pension gap and the monthly contributions needed to hit your target.
Open toolEducation Savings Calculator
How much to save monthly for private school or university fees, accounting for fee inflation and investment growth.
Open toolPortfolio Yield Calculator
Calculate the blended yield and projected annual income from a multi-asset portfolio with up to 8 holdings.
Open toolISIN Lookup
Identify any investment by ISIN — name, type, exchange, 12-month price chart, and a direct link to the Morningstar fact sheet. Covers equities, ETFs, and fixed income worldwide.
Open toolNeed personalised advice?
These calculators provide indicative estimates for planning purposes. For regulated advice on defined benefit transfers, QROPS, or UK pension planning, speak with one of our qualified advisers.
- Defined benefit & QROPS transfers
- Cross-border retirement & pension planning
- Tax residence & estate structuring
- Qualified, independent advisers