Cashflow Modelling & Financial Calculators
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Cashflow Modelling
Simple Cashflow
Use simple inputs to easily model your client’s incomes and spending patterns at their different phases of life and see the impact on their cashflow both in numbers and visually in charts.
Advanced Cashflow
For more sophisticated modelling Advanced Cashflow includes the facilities of the Simple version plus individual investment pots each providing income and/or growth with scheduled additions during accumulation stage of life and withdrawals in decumulation.
Cashflow Pro - Single & Couple
For the ultimate professional modelling Cashflow Pro has additional facilities to include loans, calculate taxation and model the buying & selling of assets. It also allows rules to define how to automatically invest cash surpluses and fund cash shortfalls. Separate versions for modelling a single individual and for a couple.
Taxation Calculators
Capital Gains Tax Calculator
Calculates the taxable gain and CGT liability for an individual from details of relevant investments & assets sold during the tax year.
Inheritance Tax Planner
Calculates the potential IHT liability and the effect of IHT planning to reduce it.
Capital Gains Tax Couple Planner
Calculates the optimal transfer of investments & assets between married couple or civil partners to minimise their total CGT liability.
Chargeable Events Calculator
Calculates the impact of chargeable events and the overall top slicing relief from any combination of withdrawals and encashments of onshore and offshore bonds during the year.
Retirement & Pension Calculators
Retirement Income Planner
Quick and easy overview of income requirements in retirement suggested action plan to meet any shortfall.
State Pension Age Calculator
Calculates the age an individual qualifies for the state pension.
Basic State Pension Calculator
Calculates the weekly basic state pension for an individual.
Immediate v Deferred Pension Comparison
Compare the effect of taking a deferred pension versus an immediate pension of smaller value and visually demonstrate when it becomes advantageous.
Early v Normal Retirement Comparison
See how taking an early retirement impacts on income compared to that of normal retirement age.
Indexed v Level Annuity Comparison
Compare the difference between a level annuity and an index linked one.
Pension Drawdown Cash Calculator
Evaluates the implications of withdrawing from crystallised and/or uncrystallised pension funds. Calculates the gross, net & tax free amounts and the tax withheld if on emergency month 1 basis and the balance to reclaim from HMRC. Shows the reduction in pension income at retirement as a result of the withdrawal.
Property & Mortgage Calculators
Stamp Duty Land Tax (SDLT) Calculator
Calculate the stamp duty due on the purchase of a property in England, Wales & Northern Ireland.
Land & Buildings Transaction Tax (LBTT) Calculator
Calculate the transaction tax due on the purchase of a property in Scotland.
Mortgage Repayments Calculator
Calculate the monthly repayments and APR for a repayment, interest only or part & part mortgage.
Rental Property Yield Calculator
Calculate the overall yield of a rental property.
Loan Calculators
Loan Early Repayment Calculator
Calculate the impact of making extra payments on the loan term and on the total repaid.
Annual Percentage Rate (APR) Calculator
Calculate the overall APR of a loan based on headline interest rate or repayment amounts. Also can take into account upfront fees and inflation.
Investment Calculators
Annual Equivalent Rate (AER) Calculator
Calculate the overall AER of an investment.
Net Return Rate Calculator
Calculate the overall net rate of return of an investment taking into account initial charge, ongoing costs and inflation.
Return on Investment (ROI) Calculator
Calculate the rate of return of an investment.
Present Value (PV) Calculator
Calculate the present value of a discounted cash flow.
Future Value (FV) Calculator
Calculate the future value of a discounted cash flow.