These calculators are for educational purposes only and do not constitute financial advice. Results are estimates based on the information you provide and assumptions about future returns. For personalised advice, please consult a qualified financial adviser.

Frequently asked questions

How accurate are the calculator results?

Our calculators provide estimates based on the information you enter and standard financial assumptions. They are designed for educational purposes to help you understand concepts like compound interest, budgeting, and savings targets. For precise planning, we recommend consulting a qualified financial adviser.

What assumptions do the calculators make about investment returns?

You can set your own expected return rate in most calculators. Historically, diversified pension investments have returned around 4-7% annually after inflation, but past performance does not guarantee future results.

Can I save my calculator results?

Currently, results are not saved between sessions. We recommend taking a screenshot or noting down your results. You can run the calculators as many times as you like with different scenarios.

What is the 50/30/20 budgeting rule?

The 50/30/20 rule is a simple budgeting guideline: allocate 50% of your income to needs (essentials like housing and food), 30% to wants (non-essentials like entertainment), and 20% to savings and debt repayment. Our Budget Planner compares your spending to this guideline.

How much should I have in my emergency fund?

Financial experts typically recommend having 3-6 months of essential expenses saved. If you have variable income, are self-employed, or have dependents, you may want to aim for closer to 12 months. Our Emergency Fund Calculator helps you determine your target.