{"id":4822,"date":"2016-10-14T15:36:36","date_gmt":"2016-10-14T14:36:36","guid":{"rendered":"http:\/\/www.sbwm.uk\/v3\/resources\/videos-copy\/"},"modified":"2025-01-30T13:11:03","modified_gmt":"2025-01-30T13:11:03","slug":"calculator","status":"publish","type":"page","link":"https:\/\/sbwm.uk\/v3\/resources\/calculator\/","title":{"rendered":"Calculators"},"content":{"rendered":"<p><\/p>\n<!--themify_builder_content-->\n<div id=\"themify_builder_content-4822\" data-postid=\"4822\" class=\"themify_builder_content themify_builder_content-4822 themify_builder tf_clear\">\n                    <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_23xf990 tb_first tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-3 tb_ltzx158 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_rwtt623   \" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1>Calculators<\/h1>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module box -->\n<div  class=\"module module-box tb_hc8w003 \" data-lazy=\"1\">\n    <div class=\"module-box-content ui  tb_default_color\">\n                <div class=\"tb_text_wrap\"><h3>Useful tools and calculators from the Money Helper (Money Advice Service).<\/h3><\/div>\n    <\/div>\n<\/div>\n<!-- \/module box -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_9wzj592 with-chart layout-icon-left size-small \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/resources\/calculator\/mortgage-calculator\/\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e30d2d\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg\" width=\"100\" height=\"100\" class=\"wp-post-image wp-image-4442 lazyload\" title=\"pic7\" style=\"--smush-placeholder-width: 100px; --smush-placeholder-aspect-ratio: 100\/100;width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Mortgage Calculator\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7.jpg 150w\" data-sizes=\"(max-width: 100px) 100vw, 100px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            <a href=\"\/v3\/resources\/calculator\/mortgage-calculator\/\">Mortgage Calculator<\/a>\n                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>This tool helps to guide how much you\u2019d 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.<\/p><p><em><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/strong><\/em><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_g1eg060 with-chart layout-icon-left size-small \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/resources\/calculator\/pension-calculator\/\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e68f0e\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg\" width=\"100\" height=\"100\" class=\"wp-post-image wp-image-4437 lazyload\" title=\"pic3\" style=\"--smush-placeholder-width: 100px; --smush-placeholder-aspect-ratio: 100\/100;width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Pension Calculator\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w\" data-sizes=\"(max-width: 100px) 100vw, 100px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            <a href=\"\/v3\/resources\/calculator\/pension-calculator\/\">Pension Calculator<\/a>\n                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>This calculator gives an estimate of the income you\u2019ll 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.<\/p>\n<p><em><strong>The value of pensions and investments and the income produce can fall as well as rise. You may get back less than you invested.<\/strong><\/em><\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n<!-- module feature -->\n<div  class=\"module module-feature tb_8bna530 with-chart layout-icon-left size-small \" data-layout-mobile=\"icon-top\" data-layout-desktop=\"icon-left\" data-lazy=\"1\">\n        <div class=\"module-feature-image tf_textc tf_rel\">\n                            <a href=\"\/v3\/resources\/calculator\/savings-calculator\/\">\n                        <span class=\"module-feature-chart-html5 tf_box tf_rel tf_inline_b\">\n                                    <svg class=\"tf_abs tf_w tf_h\">\n                    <circle class=\"tb_feature_fill\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/>\n                    <circle class=\"tb_feature_stroke\" r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#0ec767\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/>\n                                        <\/svg>\n                                <span class=\"chart-html5-circle tf_w tf_h\">\n                    <img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg\" width=\"100\" height=\"100\" class=\"wp-post-image wp-image-10482 lazyload\" title=\"increasing-pension-contributions\" style=\"--smush-placeholder-width: 100px; --smush-placeholder-aspect-ratio: 100\/100;width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Savings Calculator\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 100px) 100vw, 100px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" \/>                                    <\/span>\n\n                \n            <\/span>\n                        <\/a>\n            <\/div>\n    <div class=\"module-feature-content tf_textc\">\n                    <h3 class=\"module-feature-title\">\n                            <a href=\"\/v3\/resources\/calculator\/savings-calculator\/\">Savings Calculator<\/a>\n                        <\/h3>\n                    <div class=\"tb_text_wrap\">\n            <p>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.<\/p>        <\/div>\n    <\/div>\n<\/div>\n<!-- \/module feature -->\n        <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-1 tb_4ixi553 last\">\n                    <!-- module template_part -->\n<div  class=\"module module-layout-part tb_uzi0923 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-6957 themify_builder not_editable_builder in_the_loop\" data-postid=\"6957\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_4r04888 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_v766004 first\">\n                    <!-- module callout -->\n<div  class=\"module ui module-callout tb_dq3v636 button-bottom-center transparent  rounded\" data-lazy=\"1\">\n    \n    <div class=\"callout-inner\">\n    <div class=\"callout-content tf_left\">\n        <h3 class=\"callout-heading\"><strong>Interested in any <p \/> of these topics!<\/strong><\/h3>\n        <div class=\"tb_text_wrap\">\n            For an informal, no obligation, chat with a consultant please call <h5> <strong> <span class=\"shortcode themify-icon \"><i class=\"themify-icon-icon\"><\/i><\/span>\u00a001689 667405<\/strong> <\/h5> or email <p><strong><a href=\"mailto:enquiries@sbwm.uk\">enquiries@sbwm.uk<\/a><\/strong> <\/p>        <\/div>\n    <\/div>\n    <!-- \/callout-content -->\n        <\/div>\n    <!-- \/callout-content -->\n<\/div>\n<!-- \/module callout -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_vpq80 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7213 themify_builder not_editable_builder in_the_loop\" data-postid=\"7213\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_bbmo319 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_fx7c320 first\">\n                    <!-- module widget -->\n<div  class=\"module module-widget tb_59ly3  \" data-lazy=\"1\">\n    <div class=\"widget feature-posts\"><h2 class=\"widgettitle\">Recent Posts<\/h2><ul class=\"feature-posts-list\"><li><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-8337 lazyload\" title=\"investing for children_sb\" alt=\"investing for children_sb\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2021\/08\/investing-for-children_sb-1024x536-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/news\/investing-for-children-2\/\" class=\"feature-posts-title\">Investing for Children<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11424 lazyload\" title=\"A noisy first quarter but what are the results\" alt=\"A noisy first quarter but what are the results\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/A-noisy-first-quarter-but-what-are-the-results-1024x618-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/a-noisy-first-quarter-but-what-are-the-results\/\" class=\"feature-posts-title\">A noisy first quarter but what are the results?<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11419 lazyload\" title=\"Weighing up the incentives and disincentives of your tax bill\" alt=\"Weighing up the incentives and disincentives of your tax bill\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/Weighing-up-the-incentives-and-disincentives-of-your-tax-bill-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/weighing-up-the-incentives-and-disincentives-of-your-tax-bill\/\" class=\"feature-posts-title\">Weighing up the incentives and disincentives of your tax bill<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11416 lazyload\" title=\"House prices versus inflation\" alt=\"House prices versus inflation\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/House-prices-versus-inflation-1024x792-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/house-prices-versus-inflation\/\" class=\"feature-posts-title\">House prices versus inflation<\/a> <br \/><\/li><li><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\"><img decoding=\"async\" data-src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg\" width=\"50\" height=\"50\" class=\"post-img wp-post-image wp-image-11413 lazyload\" title=\"State pension age hits the 67 threshold\" alt=\"State pension age hits the 67 threshold\" data-srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2026\/04\/State-pension-age-hits-the-67-threshold-1024x683-978x978.jpg 978w\" data-sizes=\"(max-width: 50px) 100vw, 50px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 50px; --smush-placeholder-aspect-ratio: 50\/50;\" \/><\/a><a href=\"https:\/\/sbwm.uk\/v3\/newsletter\/state-pension-age-hits-the-67-threshold\/\" class=\"feature-posts-title\">State pension age hits the 67 threshold<\/a> <br \/><\/li><\/ul><\/div><\/div>\n<!-- \/module widget -->\n        <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part --><!-- module template_part -->\n<div  class=\"module module-layout-part tb_iodv837 \">\n    <div class=\"tb_layout_part_wrap tf_w\"><!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7217 themify_builder not_editable_builder in_the_loop\" data-postid=\"7217\">\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_l777512 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_6u87513 first\">\n                    <!-- module post -->\n<div  class=\"module module-testimonial tb_no32446 \">\n    <div  class=\"builder-posts-wrap loops-wrapper testimonial fullwidth tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"testimonial-7365\" class=\"post tf_clearfix testimonial-post post-7365 testimonial type-testimonial status-publish hentry testimonial-category-testimonials has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t\n\t<div class=\"testimonial-content\">\n\t\t<div class=\"entry-content\">\n\n\t\t\t\t\t\t\t\t\t<h1 class=\"post-title\">Always put my needs first<\/h1>\n\t\t\t\t\t\n\t\t\t\t\tGraham has worked with me now for 14 years on all aspects of my personal financial planning. He has my complete trust, as over the years he has always put my needs first and never failed to do the right thing by me. His common sense, no nonsense approach is backed up by the necessary qualifications, he is a Certified Financial Planner (Institute of Financial Planning), a level of qualification which differentiates him, less than 10% of those giving financial advice obtain this qualification.\r\n\r\nHe works hard to achieve the right outcome and has a good network of experts that he brings in as and when required. I do not always give Graham an easy time, and regularly challenge his views and recommendations; he deals with such challenge in a positive, patient and friendly manner and more often than not convinces me of the merit of what he is proposing. This is why Graham is able to retain clients and why his clients follow him. I am delighted he has now set up Sky Blue Wealth Management as I think this is the right platform for him and his clients.<!--themify_builder_content-->\n    <div  class=\"themify_builder_content themify_builder_content-7365 themify_builder not_editable_builder in_the_loop\" data-postid=\"7365\">\n            <\/div>\n<!--\/themify_builder_content-->\t\t\n\t\t<\/div>\n\t\t<!-- \/.entry-content -->\n\n\t\t\t<\/div>\n\t<!-- \/.testimonial-content -->\n\n\t\n\t\t\t\t\t<p class=\"testimonial-author\">\n\t\t\t<a href=\"https:\/\/sbwm.uk\/v3\/testimonial\/always-put-my-needs-first\/\" title=\"Always put my needs first\">&mdash; <span>CFO public oil company<\/span><\/a>\t\t<\/p>\n\t\t<!-- \/.testimonial-author -->\n\t\t\t\n\t<\/article>\n<!-- \/.testimonial-post -->\n    <\/div><!-- .builder-posts-wrap -->\n            <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n            <\/div>\n<!--\/themify_builder_content--><\/div>\n<\/div>\n<!-- \/module template_part -->        <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Calculators Useful tools and calculators from the Money Helper (Money Advice Service). Mortgage Calculator This tool helps to guide how much you\u2019d 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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":4399,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-4822","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"builder_content":"<h1>Calculators<\/h1>\n<h3>Useful tools and calculators from the Money Helper (Money Advice Service).<\/h3>\n<a href=\"\/v3\/resources\/calculator\/mortgage-calculator\/\"> <svg> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e30d2d\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg\" width=\"100\" height=\"100\" title=\"pic7\" style=\"width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Mortgage Calculator\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic7.jpg 150w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/> \n <\/a> <h3> <a href=\"\/v3\/resources\/calculator\/mortgage-calculator\/\">Mortgage Calculator<\/a> <\/h3> <p>This tool helps to guide how much you\u2019d 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.<\/p><p><em><strong>Your home may be repossessed if you do not keep up repayments on your mortgage.<\/strong><\/em><\/p>\n<a href=\"\/v3\/resources\/calculator\/pension-calculator\/\"> <svg> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#e68f0e\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg\" width=\"100\" height=\"100\" title=\"pic3\" style=\"width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Pension Calculator\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3-180x180.jpg 180w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2015\/10\/pic3.jpg 150w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/> \n <\/a> <h3> <a href=\"\/v3\/resources\/calculator\/pension-calculator\/\">Pension Calculator<\/a> <\/h3> <p>This calculator gives an estimate of the income you\u2019ll 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.<\/p> <p><em><strong>The value of pensions and investments and the income produce can fall as well as rise. You may get back less than you invested.<\/strong><\/em><\/p>\n<a href=\"\/v3\/resources\/calculator\/savings-calculator\/\"> <svg> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke-width=\"5\"\/> <circle r=\"calc(50% - 2.50px)\" cx=\"50%\" cy=\"50%\" stroke=\"#0ec767\" stroke-width=\"5\" data-progress=\"100\" stroke-dasharray=\"0,10000\"\/> <\/svg> <img src=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg\" width=\"100\" height=\"100\" title=\"increasing-pension-contributions\" style=\"width:calc(100% - 10px);height:calc(100% - 10px)\" alt=\"Savings Calculator\" srcset=\"https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-100x100.jpg 100w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-150x150.jpg 150w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-50x50.jpg 50w, https:\/\/sbwm.uk\/v3\/wp-content\/uploads\/2023\/11\/increasing-pension-contributions-1024x683-978x978.jpg 978w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/> \n <\/a> <h3> <a href=\"\/v3\/resources\/calculator\/savings-calculator\/\">Savings Calculator<\/a> <\/h3> <p>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.<\/p>","_links":{"self":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4822","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/comments?post=4822"}],"version-history":[{"count":0,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4822\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/pages\/4399"}],"wp:attachment":[{"href":"https:\/\/sbwm.uk\/v3\/wp-json\/wp\/v2\/media?parent=4822"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}