The tools a Buzz money coach uses, free to use on your own: your money type, the Financial Freedom Score, the bank-connected Healthcheck and six calculators. Everything except the Healthcheck runs in your browser. A budgeting coach can take you through the results.
Twenty statements and four types: Avoider, Chaser, Scorekeeper and Guard. Your result shows the beliefs behind your money decisions, what each is good for and what it costs you.
Twenty-two questions across eight areas of your money, scored out of 100, with the area to work on first.
This one connects your bank read-only and sorts the last few months of spending automatically.
Budgeting · Your minimum monthly costs, the headroom left over, and how many months your cash would cover.
Saving · Where you sit in the three-to-six-month range, what you hold now, and the monthly amount that closes the gap.
Debt · What the snowball and avalanche methods each cost, in pounds and in years.
Property · Stamp duty from the current bands, the Land Registry fee, searches, survey and first-year costs.
Tax · What the letters and numbers on your payslip mean, and whether yours looks wrong.
Debt · Whether overpaying your student loan reduces what you repay.
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.
None of these recommend a product, a provider or a debt solution. Where a decision needs regulated advice we say so, and can introduce you to Equity & General — optional, no obligation.
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.