Someone working figures out on paper beside a laptop

Three sums worth doing before you talk to anybody

Most people have never put their own numbers into any of these. Each one takes about two minutes, and the answer is usually either a relief or the push somebody needed.

They run in your browser, so everything you type stays on your own machine.

Start with whichever is on your mind

What they will and will not tell you

They use your figures
Nothing is assumed about your growth rate, your income or your estate. Put in what you know and change it to see what moves.
They use the real thresholds
The inheritance tax bands, the pension access age and the ISA allowance are the current ones, stated on each page with the tax year they belong to.
They are arithmetic, and that is all
A calculator cannot know your health, your family or your tax position. It gives you a number to take into a conversation.
The answer is yours
There is no form in front of it and no email needed. Talking the number through afterwards is a separate choice.

Start with a free conversation.

Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write. We will tell you honestly whether we can help.