Interactive Financial Tools
Six professional-grade calculators to help you understand investing, retirement planning, mortgage costs, and loan repayments. All tools are free. No signup required.
Set your age and we'll build a personalised asset allocation based on your investment horizon, risk capacity, and wealth-building goals.
Find out exactly how much you need to retire comfortably — and how far you currently are from that number. Most people are shocked by what they discover.
The Luminate Consulting course teaches you exactly how to invest your savings to close this gap — using stocks, ETFs, and options strategies that work for everyday people.
Start Investing Smarter — $1,000What if you had invested just $100 a month into an S&P 500 index fund starting in January 2000 — through every crash, every crisis, every recovery? See exactly what happened.
Notice how the portfolio kept growing even through the 2008 crash and COVID-19 dip. That's dollar-cost averaging at work — you automatically buy more shares when prices are low, lowering your average cost over time. Consistency beats timing every time.
Set your monthly investment, expected annual return, and see exactly how compound interest projects your portfolio value up to 100 years into the future — from 2026 onwards.
Calculate your monthly mortgage payment, total interest paid, and see a full amortisation schedule. Understand exactly what that property will cost you over time.
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Calculate monthly payments and total cost for any personal loan, car loan, or line of credit. See exactly how much that loan will really cost you — and how extra payments can save you thousands.
Adding extra payments reduces total interest paid significantly.