Everything we give away, in one place. Three that tell you where you stand, five that do a specific sum. None of them need an email before you see the result, and everything is worked out in your browser — nothing you type is sent to us.
One measures how your money is set up. The other measures how you think about it. Between them you get the thing neither gives you alone: not just what needs doing, but why it hasn't been done yet.
Twenty statements, four types — Avoider, Chaser, Scorekeeper, Guard. The beliefs quietly steering your decisions, what each one is good for, and what it costs you. No type is a bad type.
Eight areas of your money, twenty-two questions, one score out of 100. Where you're strong, where the gaps are, and the single area worth working on first — because fixing things in the wrong order is why plans stall.
The two above are self-assessments. This one connects your bank read-only and sorts the last few months automatically — no spreadsheets, no guessing what you spent. Most people are surprised by exactly one category.
Real arithmetic, worked out in your browser and shown step by step, so you can check it rather than trust it. No sign-up, and nothing you type ever leaves your device.
Budgeting · The bare-minimum monthly figure your life actually costs, the headroom left over, and how many months your cash would cover.
Saving · Three to six months is the range. This works out which end is yours, what you hold now, and the monthly amount that closes the gap.
Debt · Everyone knows the avalanche is cheaper. Put your real debts in and see by how much — in pounds and in years.
Property · Stamp duty from the current bands, the Land Registry fee, searches, survey and the rest — the number that isn't the asking price.
Tax · What the letters and numbers on your payslip actually mean, and whether yours looks wrong.
Debt · For most people the answer is no. This shows you whether you're one of the exceptions.
Every tool here runs entirely in your browser. Your answers, your figures and your results are never transmitted — the only thing we ever receive is an email address, and only if you type one in.
A low score doesn't put you into a sequence. If the sensible next step is something you can do on your own, that's what we'll say — and plenty of people do exactly that and never speak to us again.
None of these recommend a product, a provider or a debt solution. Where a decision genuinely needs regulated advice we say so, and can introduce you to Equity & General — optional, no obligation.
These are planning tools. If money is a worry right now, MoneyHelper, StepChange and National Debtline are free, independent and better placed than we are. Go to them first.