Helpful Money, a collection of tools so you stay on track with your Money Journey.
You want to live below your income and invest the rest. If you have loans or credit cards, pay these off before investing.
You might be spending more than your income. You have credit card debts and are paying them off.
Your expenses are lower than your income, so you are saving money every month. Perhaps towards a Home Deposit.
You have a Mortgage and are paying it off. You might have savings too.
Your money is under control, you have a home, and sufficient savings to think about investing long term.
Budget Planner enables you to fill in the form similar to a bank loan. This will help you understand where you think your money is going. To know for sure you will have to make a record. The main benefit this too will give you, is to understand if your 'spare' cash is greater than 10%. Read about the 50-30-20 budget guide.
Mortgage Calculator is a fun tool to check how much the repayments will be on a mortgage, based on amount borrowed, interest rate and term.
Mortgage Overpayment Calculator will enable you to see how much overpayments can effect the term of your mortgage, based on lump sum or regular overpayments.
Mortgage Affordability Calculator will help you calculate based on your earnings, how much mortgage you may get offered. If you enter the total outgoings from the Budget Planner, it can help you gauge if you can afford the repayments too.
Pension Calculator will give you a rough guide of how much your pension pot could be when you retire. Playing with the Withdrawal Rate can help you understand how long the money will last.