Calculators

Useful tools and calculators from the Money Helper (Money Advice Service).

Mortgage Calculator

This tool helps to guide how much you’d pay each month, while highlighting that the exact amount will depend on the type of mortgage and the lender. Users are encouraged to scenario test the effects of changing interest rates, deposit amounts and repayment terms, alongside steps to take to improve your options.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Pension Calculator

This calculator gives an estimate of the income you’ll get when you retire. It includes income from workplace schemes and private pensions contributions, plus your basic State Pension before outlining any shortfall and tips for addressing it.

The value of pensions and investments and the income produce can fall as well as rise. You may get back less than you invested.

Savings Calculator

This handy tool helps users to understand how long it will take to save a specific amount, or how much they need to save to have enough by a particular date.

Redundancy Action Plan

The tool gathers information about the user’s particular redundancy circumstances to provide tailored information relevant to them and informing users of their legal rights and statutory redundancy pay. It encourages users to use the budgeting functionality to work out how long any pay off will last and provides information about entitlements to benefits. Your tailored advice plan can be printed at the end of the tool.

Opens on MAS website

Loan Calculator

Loan calculator helps to visualise the monthly cost of one or several loans and will output a date from which you will become debt free. From there, a you can prioritize existing loans and scenario test the effects of payments increases/decreases.

Divorce and Separation Infographic

This infographic provides a fantastic overview of the key financial considerations when dealing with the very emotional subject of divorce. By giving people a clear outline of the money side of things, this will help people feel more in control of their situation.

Interested in any
of these topics!

For an informal, no obligation, chat with a consultant please call

01689 667405

or email

enquiries@sbwm.uk

Cuts through the jargon and makes sure my needs are at the center of his thinking

I was introduced to Graham through my own personal network. I find Graham to be a very open person and professionally curious about my own situation and ambitions. This enables Graham to spar with me to determine how this translates into financial planning. Financial solutions and implications can be very complicated, so it is refreshing to have Graham cut through the jargon and make sure I’ve understood the implications of choices to consider and decisions to be made. Equally I appreciate how Graham feels responsible for the quality of my interaction with 3^rdparties – Investors and brokers – and makes sure my needs are at the center of their thinking. Follow-up by Graham and his team is rigorous – nothing slips down the cracks. I appreciate the time he invests in our relationship. I know that I can contact Graham at any time and he will be keen to be supportive and act with pace. He’s a good bloke and I am very happy to recommend him.

— Rob CookHR Director