Free financial tools

Understand your money
before you meet me.

These tools are educational and illustrative. They give you a starting point, not a financial plan. For real, personalised advice book a free consultation.

Cashflow Forecast UK Salary Calculator Budgeting Tool Compound Interest FIRE Calculator

Tool 1 of 5

Cashflow Forecast

See your financial future mapped out to age 100. Adjust the sliders to model your savings, income and retirement age, all shown in today's money with inflation and the State Pension built in.

35
£55,000
£10,000
£500
£2,000
Age 65
—
Projected pot at retirement (today's money)
—
Sustainable annual income at 3.5%
—
Annual surplus or shortfall today
—
Years building wealth
Important disclaimer
This tool is illustrative only and does not constitute financial advice. It assumes 6% annual growth and 3% inflation, with all figures shown in today's money. It includes the full State Pension from age 67 but does not account for tax, charges, or your specific circumstances. Real returns vary year to year and can be negative. A real cashflow model built with you includes your full pension history, all assets, tax relief and every major life event.
Get your real cashflow model →

Free consultation, no obligation, real numbers based on your actual situation

Tool 2 of 5

UK Salary Calculator 2026-27

See exactly what you take home after income tax, National Insurance, student loan, and pension contributions. Includes salary sacrifice vs auto-enrolment comparison.

Income
Gross annual salary
£55,000
Annual bonus (gross)
£0
Student loan
Pension contributions
Pension type
Auto-enrolment contributions come from your net pay after tax. You still get pension tax relief (added by your pension provider), but you pay full NI on the gross amount first.
Your contribution (%)
5%
Employer contribution (%)
3%
Take-home pay
£40,000
per year
Gross income
£55,000
Effective tax rate: 0%
ⓘ 2026-27 tax rates. Personal Allowance £12,570. Scotland uses different income tax bands. Marriage Allowance and Blind Person's Allowance not included. All figures are estimates.

Tool 3 of 5

Monthly Budgeting Tool

Your take-home pay from the salary calculator is pre-filled below. Adjust your expenses to see what's left and how your spending compares to two popular budgeting rules.

Monthly income

Essential expenses (needs)

Lifestyle spending (wants)

Savings & investments

Monthly remaining (unallocated)
£0
ⓘ Illustrative only. Your actual budget should reflect your personal circumstances. Consider speaking with an adviser to optimise your savings rate and tax efficiency.

Tool 4 of 5

Compound Interest Calculator

See the real power of compounding over time. Add lump sums at different ages, toggle inflation adjustment, and see how much of your final value is interest earned versus money paid in.

Starting point
Current age
30
Starting lump sum
£5,000
Monthly contribution
£300
Growth settings
Annual interest / growth rate
6.00%
Target age (up to 100)
65
Additional lump sums
£0
Total value at target age
£0
Total money paid in
£0
Interest / growth earned
0
Years invested
ⓘ Assumes compound growth at the set annual rate. Real investment returns vary and are not guaranteed. Inflation adjustment applies 3% annual increase to monthly contributions only. Lump sums are added at the start of the specified age year.

Tool 5 of 5

FIRE Calculator

Financial Independence, Retire Early. Understand what you need, when you could get there, and what it means for your real life.

What is FIRE?

FIRE stands for Financial Independence, Retire Early. The core idea is simple: build enough invested wealth that your portfolio generates more income than you spend, making paid work optional. Most FIRE strategies use the "4% rule" as a guideline, which means you need roughly 25 times your annual spending saved and invested to be financially independent.

Lean FIRE
Retiring on a frugal budget, typically under £25k/yr. Maximum freedom, minimum spending. Usually requires a smaller pot but a simpler lifestyle.
Regular FIRE
A comfortable but not extravagant retirement. Most people target £30,000 to £60,000/yr. The 25x rule applies directly.
Fat FIRE
Financial independence with a high standard of living, often £80k+ per year. Requires a larger pot but no compromise on lifestyle.
Your situation
Current age
32
Current invested net worth
£20,000
Monthly saving / investing
£800
FIRE target
Annual spending in early retirement
£35,000
Expected annual return
6.00%
Safe withdrawal rate
4.0%
When ticked, your FIRE number is calculated in today's money. Your target increases each year with inflation, making it a harder but more realistic goal.
£875,000
Your FIRE number
(target portfolio)
Age 52
Your FIRE age
(at current savings rate)
20 yrs
Years away from
financial independence
0%
Implied savings rate
(of gross income needed)
ⓘ FIRE calculations assume a constant rate of return. The 4% rule originates from US research (the Trinity Study) and may be less applicable to UK investors due to different tax treatment, state pension entitlement, and market conditions. Always seek professional advice before making major financial decisions.

Ready for the real thing?

These tools show the picture.
I fill in the detail.

A real financial plan accounts for your tax position, state pension, existing pensions, investment risk, life events, and everything the sliders can't capture.

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© 2026 Consult Kingsley. All tools are for educational and illustrative purposes only and do not constitute financial advice. Back to main site | Book a free consultation