Calculators and Tools
See your finances come to life.
Five free, interactive tools to help you understand where you stand — from retirement budgeting to inheritance tax. They are indicative guides, and the perfect starting point for a conversation with an adviser.
These calculators are provided for general information only. They produce an indicative illustration based on the figures you enter and a number of simplifying assumptions. They do not take account of your personal circumstances, they are not financial, tax or legal advice, they are not a personal recommendation, and they are not an offer or a quotation for any product.
Figures are not guaranteed. Tax treatment depends on your individual circumstances and both tax rules and product terms may change in future. Before you act on anything shown here, please speak to one of our advisers, who will provide advice and a personalised illustration based on your own situation.
Retirement Budget Planner
Understand your income and expenditure throughout retirement, and identify any shortfall — or surplus — in your income.
A simplified guide, not advice. It assumes your income and costs stay level and makes no adjustment for inflation, investment growth, or future changes to tax and legislation, all of which will affect the real outcome. It does not take account of your personal circumstances. For a full retirement plan, please speak to an adviser.
Inheritance Tax Calculator
Estimate the potential inheritance tax (IHT) your estate could face. Enter your assets and liabilities below.
Assets
Liabilities and reliefs
Very general in nature and not tax or legal advice. It applies a single £325,000 nil-rate band and a 40% rate, and does not take account of the residence nil-rate band, a transferred nil-rate band from a late spouse or civil partner, lifetime gifts, trusts, or charitable rates. Tax treatment depends on your individual circumstances and may change. The Financial Conduct Authority does not regulate tax advice or estate planning. Please take specialist advice before acting.
Mortgage Repayment Calculator
See the monthly cost of the amount you want to borrow, on both a repayment and interest-only basis.
A guide only, and not a quotation, illustration or offer of credit. The actual cost will depend on the mortgage type, the lender’s criteria and any fees or charges, and your rate may change during the term. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Indicative Lifetime Mortgage Calculator
A lifetime mortgage lets homeowners aged 55+ release tax-free cash from their property. See an indicative maximum you could release.
Indicative only. This is not an illustration, a quotation or an offer, and the amount actually available will depend on the lender’s criteria and your circumstances. A lifetime mortgage is a loan secured against your home. Interest is usually added to the loan and compounds, so the total amount repayable can be considerably more than the sum released. Equity release will reduce the value of your estate and may affect your entitlement to means-tested benefits, now or in the future. Equity release can only be arranged with advice — we will provide a personalised illustration and discuss the alternatives with you before you commit. Think carefully before securing other debts against your home.
Adjust the age and property value to see your indicative figure.
Longevity Calculator
None of us knows for sure — but with people living longer, it is worth planning ahead. Get an indication of how long you may live, based on your age and health.
Indicative only, based on general population mortality data. This is not a prediction of your own life expectancy, it takes no account of your medical history or lifestyle, and it should not be relied on by itself when making financial decisions. It is intended purely to illustrate how long a retirement income may need to last.
Turn numbers into a plan
These tools are a starting point — let us build the full picture together.
Call 01953 718417 or email admin@espiene.com.