Financial Planning Calculators
Practical tools to help you model pension decisions, residence status, and retirement planning — built for UK nationals and international investors.
Every calculator, organised by need.
33 free calculators across pensions, tax, residence, protection, investing and cross-border banking — grouped so you can go straight to the tool that answers your question.
Matches tool names, descriptions and tags. Press Escape to clear.
Pensions & Retirement
Model transfers, allowances and the income your pot will actually produce.
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.
Open tool State PensionState 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.
Open tool RetirementRetirement Calculator
Project your pension pot to retirement and estimate monthly drawdown income. Use alongside the State Pension Calculator for a full picture.
Open tool UK PensionsAnnual Allowance Calculator
Calculate your pension Annual Allowance, tapered allowance if applicable, and carry-forward from previous years.
Open tool PensionsPension 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 toolTax & Estate
Estimate your UK tax exposure and plan around residence, gains and inheritance.
UK CGT Calculator
Estimate your UK Capital Gains Tax as a non-resident — property, shares, business assets. Includes PPR relief and rebasing calculations.
Open tool TaxInheritance Tax Calculator
Calculate your estimated UK Inheritance Tax liability and understand the NRB, RNRB, taper relief and planning thresholds.
Open tool TaxUK 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 tool TaxOffshore Bond 5% Calculator
Calculate your available 5% per annum cumulative withdrawal allowance on an offshore investment bond without triggering a chargeable event.
Open tool Tax ResidenceStatutory Residence Test
Step-by-step SRT questionnaire — determine UK tax residence status through automatic overseas tests, automatic UK tests, and sufficient ties.
Open toolInvesting
Understand your wealth, your risk profile and what your portfolio yields.
Net Worth Calculator
Calculate your total net worth across all global assets and liabilities. Understand your asset allocation, liquidity, and estate planning needs.
Open tool InvestmentsPortfolio Yield Calculator
Calculate the blended yield and projected annual income from a multi-asset portfolio with up to 8 holdings.
Open tool InvestmentsISIN 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 tool InvestmentsAttitude to Risk Questionnaire
Answer 10 questions to identify your investment risk profile — from Cautious to Adventurous. A starting point for any investment conversation.
Open toolResidency & Citizenship
Test your eligibility for residence and citizenship-by-investment routes worldwide.
Tax Residency Tests by Country
Interactive residency tests for 20+ countries — work through each country’s own statutory rules step by step to see which country can tax your income, gains and estate.
Open tool CitizenshipCaribbean CBI Eligibility Test
Compare all 5 Caribbean citizenship programmes and see which suits your goals, budget, and passport objectives. Results in under 5 minutes.
Open tool CitizenshipPortugal Golden Visa Eligibility
Check whether you qualify for Portugal's fund or cultural investment route and estimate your timeline to citizenship.
Open tool CitizenshipGreece 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 tool CitizenshipUAE Golden Visa Eligibility
Check eligibility across UAE's property, professional talent, and investor routes for a 10-year residence visa.
Open tool CitizenshipEB-5 Investor Visa Eligibility
Assess your eligibility for the US EB-5 programme by investment amount, project type, and job creation requirements.
Open tool CitizenshipCanada 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 tool CitizenshipMalta Citizenship (ENI) — Programme Closed
The Malta Exceptional Investor Naturalisation programme was abolished following the EU Court of Justice ruling of 29 April 2025 (Case C-181/23). See the current EU citizenship-by-investment alternatives.
Open toolProtection
Size the life, critical illness and income cover your family would actually need.
IPMI Plan Builder
Nine questions on where you will live, who needs cover and your medical history — and the international health insurance specification that follows, including whether a locally issued policy is compulsory too.
Open tool ProtectionProtection Needs Assessment
Answer 7 questions to identify your international protection gaps — life assurance, critical illness, income protection, or universal life.
Open tool ProtectionCover Gap Calculator
Enter your income, existing cover, and liabilities to calculate how much international life assurance you need and see your current gap.
Open toolBanking, FX & Everyday
Everyday money decisions — transfers, borrowing, living costs and school fees.
FX Transfer Cost Calculator
Compare the cost of sending money abroad via bank vs FX specialist — and see how much you could save.
Open tool PropertyLoan & Mortgage Calculator
Calculate monthly repayments, total interest, and an amortisation summary for international property loans or business financing.
Open tool Expat LifeCost of Living Calculator
Compare monthly living costs across 15 popular expat destinations — rent, groceries, utilities, transport, dining, and healthcare.
Open tool PlanningEducation Savings Calculator
How much to save monthly for private school or university fees, accounting for fee inflation and investment growth.
Open toolNRI & India
Tax residence, treaty relief, account choice and remittance limits for NRIs.
RNOR Expiry Calculator
Work out the Indian tax year from which your foreign income becomes taxable in India — projecting both RNOR look-back limbs year by year from your own residence history and day counts.
Open tool NRI TaxDTAA Article Finder
Pick your country of residence and income type to see which article of the India tax treaty governs it, what the treaty provides, and the TRC and Form 10F/41 paperwork a claim depends on.
Open tool NRI BankingNRE, NRO or FCNR Account Selector
Work out which Indian account should hold your money — NRE, NRO or FCNR(B) — based on where the funds came from, whether you need to repatriate, and your currency exposure.
Open tool NRI BankingRepatriation Headroom Tracker
Work out how much you can still remit out of India this financial year, whether the funds fall inside the annual NRO facility at all, and the documentation trail your bank will ask for.
Open toolTax residency tests for 21 countries
Where you are tax resident decides what a country can tax and what it can leave alone. Work through each country’s own statutory rules step by step — or open the full index to find yours.
All tax residency tests
Browse every interactive residency test by country and region — the full index in one place.
Open United KingdomUK Statutory Residence Test
Work through the automatic overseas, automatic UK and sufficient-ties tests that set your UK tax residence.
Open United StatesUS Substantial Presence Test
Apply the three-year weighted day count that decides US tax residence for non-citizens.
Open SpainSpain Tax Residence Test
Check the 183-day, centre-of-interests and family limbs that make you Spanish tax resident.
Open PortugalPortugal Tax Residence Test
Assess residence across any rolling 12-month period, including the habitual-abode rule.
Open United Arab EmiratesUAE Tax Residence Test
Test the newer day-count and permanent-home thresholds behind a UAE tax residence certificate.
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Need 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