TOOLS & GUIDES
Tools and guides for real life.
Whatever your work or family looks like, start here. Practical calculators and plain-English guides on pensions, saving and money, organised around real life.
START WITH WHAT APPLIES TO YOU
Where are you right now?
Pick the situation closest to yours. Not one of these? The blog covers pensions, saving and money for anyone.
Working for yourself
Uneven months, your own tax bill and a pension nobody sets up for you. Guides and a calculator built for it.
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Becoming a parent
Preparing for leave, understanding your income while you’re off, and keeping longer-term saving in view.
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New to pensions
Start with the basics: what a pension is, how tax relief works and why starting early matters.
Start with the basics
Everyone
Guides on pensions, saving and money for anyone, whatever your situation. New pieces every month.
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TOOLS
Calculators and planners.
FEATURED TOOL
For Self-employed
Take-home target & freelance rate calculator
Start with the money you need for yourself and work back to the business revenue and day or hourly rate that would support it, with the costs, tax and assumptions shown.
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FEATURED TOOL
For Parents
Maternity leave money planner
Estimate your take-home month by month on Statutory Maternity Pay or Maternity Allowance, employed or self-employed, then plan a household buffer for your time away.
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FEATURED TOOL
For Self-employed
Flexible pension calculator
Model quieter and stronger months, explore contribution approaches and see an illustrative retirement outcome.
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FROM THE BLOG
Latest guides.
Blog & guides
EXPLORE MORE
Every calculator and planner, in one place.
Browse all our free tools and filter them for working for yourself or becoming a parent.
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