Financial tools

A selection of impartial planning tools, comparison tables and advice pages from the Money Advice Service and the Citizens Advice Bureau. These pages cover all aspects of finance, from debt to wealth creation and pensions.

Money Advice Service - Money Health Check
Answer some simple questions about you and your money and this free confidential health check will show you what you can do in easy-to-follow steps. It only takes 5-10 minutes and you won’t need any paperwork. So get started now.

Money Advice Service - Budget Planner
You can use this planner to work out how much money you have coming in and what you’re spending it on.

Citizens Advice Bureau - Advice Guide - Budgeting
If you’re on a low income or struggling to make ends meet, you might need some help to sort out your budget and work out how to make your money go further.  If you’re in debt, you’ll need to know if you’ve got enough money to start paying your debts off. To find out more about budgeting, look at these webpage tools.

Money Advice Service - Debt Test
Loans, credit cards, mortgage payments, bills – should you be worried about what you owe? This debt test will help you to find out how likely you are to have problems with your borrowing over the next year or so.

Money Advice Service - Comparison Tables Use these impartial comparison tables to search for Credit Cards, Loans, Mortgages, Current and Savings Accounts, Investments, ISAs, Annuities and Bonds.

Money Advice Service - Loan Calculator  
If you are thinking of getting a loan, use this calculator to help you work out how long it will take to pay it off or how much you’ll need to repay each month. You can also compare different loan rates and lengths and save your results in a table to help you compare them.

Money Advice Service - Mortgage Calculator
Use this calculator to find out how much your monthly mortgage payments could be. This can help you work out how much you could afford to borrow. The figures are only a guide to what you might pay – the exact cost will depend on the particular mortgage you choose. Also, remember to take into account any other fees and costs involved in arranging a mortgage.

Money Advice Service - Retirement
As retirement nears there are big decisions to make, such as what kind of annuity to shop around for, how much will your pension be worth? – these impartial WebPages explain it all.

Money Advice Service - Getting the most from your pension
How and when to start saving for a pension, getting the most from your pension fund and managing your money in retirement.