Tools
Tools
Three calculators, all free and all built on the same principle: show the entire calculation. Each adjusts for present value, which lowers the resulting number — the opposite of what a sales-oriented tool does.
Tool
The coverage needs estimator
Enter your own numbers and watch the estimate build line by line — mortgage, debts, income, education, minus what you already have. The full calculation stays visible.
Open the tool →Tool
The coverage timeline
Your need isn't a number, it's a shape. See how it falls across thirty years as the mortgage amortises and children grow up, and which part is driving the decline.
Open the tool →Tool
The household value estimator
What would it cost to replace the work done at home? Real wage data, an explicit realistic-replacement share, and an honest end date.
Open the tool →Not sure which to start with? Each tool has a guide explaining what it does and why. Read the guides →