Free planning calculator
See where your current finances could take you before paying for investment tools. Define what financial freedom means to you, then see whether your current path could support it.
A fair exchange
The Financial Goal Reality Check, debt planner, living-cost planner, net-worth builder and tax adjuster are free to use after you confirm your email address.
Your financial figures stay private. They are calculated in this browser and are not sent to Brevo, Investor Tool Lab or an email platform.
Enter your email address and we’ll send you a confirmation link. The calculator unlocks only after you confirm your address.
Yours to keep
Install the official Investor Tool Lab calculator on your computer or phone. It opens like an app, works offline and keeps your financial information on this device.
Press the button to add it to your desktop or home screen.
Keep your progress
Press Save after changing your figures. Your main calculator plan will be stored only on this device and restored when you reopen the installed calculator. Detailed planner pages keep their own Save and use buttons.
Not saved yet. Changes are saved only when you press the button.
Use rough figures for a first reality check.
Tax-free allowances, rates, account rules and bands vary by country. Use the separate rough adjuster only if you want to test your own assumptions.
Open local tax adjuster ↗Adjust the numbers to explore what changes the outcome.
If your income stopped
See how many full months your entered investable assets equal at your current level of spending.
Important: this is a stress-test, not a recommendation to cash in investments. Current pension pots may not be accessible when income stops. Investment values can fall and withdrawals may be taxed. Your accessible cash buffer is the more immediate job-loss figure.
Financial position
Investable assets and other net worth are shown alongside credit and finance debts. Net worth is already the value left after liabilities, so debt is shown for context rather than added to it.
Enter net worth, assets or debts to build the chart.
Your goal in plain English
No lines to follow and nothing to hover over. This compares the amount your plan could produce with the amount you said you want.
Enter your figures to see the monthly change.
These are illustrations at your chosen age, not forecasts. A higher assumed return usually means taking more risk and is never guaranteed.
Projection over time
Both lines use today’s money. Your plan uses the contributions you entered. The dotted line marks the freedom portfolio amount you need to reach.
Illustration only. Returns and inflation will vary, and the projection is not guaranteed.
See how your opening balance, contributions and estimated growth combine each year. Every figure is expressed in today’s money.
On a phone, swipe the table sideways to see every column.
| Age | Opening balance | Contributions added | Growth after inflation | Closing balance |
|---|
Contributions include investing outside pensions plus personal and employer pension contributions. Estimated growth is after the inflation assumption and may be negative.
Understand the assumption
The return used here is an illustration, not a promise. Investor Tool Lab compares research and charting platforms by what they do, what they cost and where their limitations matter.
Investing involves risk. Returns are not guaranteed and you may lose money. This is general information, not personal financial advice.
This is a general educational check, not a recommendation about what you personally should do.
Educational illustration only. Local income tax, capital-gains tax, personal allowances, pension rules and tax-free accounts are not modelled. Investment returns, inflation and personal circumstances can differ materially. The calculator does not recommend investments or replace regulated financial or tax advice.