Compass guides

Work out the number. Then understand what it means.

Free tools for the arithmetic, and plain-English guides for the bits a calculator cannot decide: scope, missing data, trade-offs and what to do next.

Free tools

Start with a useful number

These are calculators, not recommendations. Inputs and assumptions stay visible so you can challenge the result.

Bring assets and liabilities into one household snapshot, including the things a banking app usually cannot see.

Explore a target and timeline using explicit spending, contribution, withdrawal-rate and real-growth assumptions.

Turn take-home income, real spending and non-monthly costs into a practical plan for the month ahead.

Practical reading

No miracle ratios and no judgement. Just a repeatable way to organise the facts and see what is missing.

A one-hour household audit covering pensions, property, investments, crypto, cash and debts — with source dates and gaps made explicit.

Turn real statements and irregular bills into a monthly system that survives contact with real life.