Financial Planning Calculators
AS Brokers
These calculators are designed to help you understand why specific financial products and structures exist — and why we recommend certain solutions over others.
Each tool highlights a real financial problem and then points toward the most appropriate product or strategy to solve it.
This approach ensures that recommendations are grounded in numbers, not opinions.
How to Use These Calculators
Each calculator answers a specific question and naturally leads to a practical solution.
You do not need to complete them in any specific order — start with the area most relevant to your current situation.
The calculators are used in client discussions to explain:
• What the problem is
• Why it exists
• Which product or structure solves it — and why
Retirement Reality & Readiness
Key question: Am I actually on track for retirement?
Retirement Savings Calculator
This calculator highlights whether your current savings rate, time horizon, and assumptions are sufficient to fund retirement.
It is commonly used to demonstrate:
- Shortfalls in retirement funding
- The limits of late-stage saving
- The need for structured retirement vehicles
Leads to solutions such as:
Retirement annuities, preservation funds, and structured long-term investment planning.
Open CalculatorIncome in Retirement Calculator
This calculator models how long your capital can realistically sustain a chosen level of income in retirement.
It is used to explain:
- Why income sustainability matters more than capital value
- The impact of withdrawal rates and inflation
- The risks of drawing income without a structured plan
Leads to solutions such as:
Living annuities, income-focused investments, and drawdown management strategies.
Open CalculatorGrowth, Investing & Financial Literacy
Key question: How does money actually grow — and what does it cost to get it wrong?
Custom Investment Growth Calculator
This calculator demonstrates the power — and danger — of compound growth assumptions.
It is used to show:
- How small changes in growth rates materially affect outcomes
- Why product selection matters
- The long-term cost of poor investment structure
Leads to solutions such as:
Structured investment products, diversified portfolios, and long-term growth strategies.
Open CalculatorInflation Impact Calculator
This calculator isolates inflation as a hidden risk to purchasing power.
It is used to explain:
- Why nominal returns are misleading
- How inflation erodes income over time
- The need for inflation-beating strategies
Leads to solutions such as:
Growth-oriented investments, real-return strategies, and inflation-aware planning.
Open CalculatorRequired Growth Rate Calculator
This calculator calculates the exact growth rate required to reach a specific financial goal.
It is used to show:
- Whether a goal is realistic
- If risk assumptions are aligned with reality
- When a product is being expected to do the impossible
Leads to solutions such as:
Appropriate product matching, risk rebalancing, and realistic goal setting.
Open CalculatorTax & Estate Exposure
Key question: How much of my wealth will be lost to tax and estate costs?
Income Tax Calculator
This calculator models how income is taxed across different scenarios.
It is used to demonstrate:
- The real cost of marginal tax rates
- The difference between taxable income and net income
- Why tax-efficient structuring matters
Leads to solutions such as:
Tax-efficient investments, retirement products, and income structuring strategies.
Open CalculatorEstate Duty & Fees Calculator
This calculator estimates how much of an estate may be lost to estate duty and administration fees.
It is used to show:
- The impact of estate costs at death
- Why liquidity planning matters
- The consequences of poor estate structuring
Leads to solutions such as:
Estate planning strategies, life insurance for liquidity, and trust-based planning.
Open CalculatorEstate Duty Reduction Strategy Calculator
This calculator models long-term estate reduction strategies using annual planning techniques.
It is used to explain:
- How estates can be reduced legally over time
- The role of gifting and structuring
- Why early planning matters
Leads to solutions such as:
Trust structures, estate planning strategies, and long-term intergenerational planning.
Open CalculatorProduct Quotations
Key question: What does this look like in a real product?
Everest Wealth Product Quote Calculators
These calculators generate indicative product-based projections using real assumptions.
They are used to:
- Translate strategy into product outcomes
- Compare scenarios using actual investment structures
- Support informed product selection
Leads directly to:
Everest Wealth investment products and implementation discussions.
Open CalculatorLife Insurance & Risk Planning
Key question: What happens if something goes wrong?
Premium Increase Problem Calculator (Life Assurance)
This calculator exposes the long-term risk of escalating life insurance premiums.
It is used to show:
- Why some policies become unaffordable over time
- How premium structures impact long-term sustainability
- The difference between short-term affordability and long-term certainty
Leads directly to:
Structured life insurance solutions designed for certainty and sustainability, including properly structured business and personal life cover.
Open CalculatorUsing These Tools Together
Each calculator highlights a specific problem.
Each problem naturally points toward a solution.
The purpose of these tools is not to replace advice — but to ensure that when advice is given, it is understood, logical, and supported by numbers.
If you would like help interpreting any result or implementing the appropriate solution, you can request a review.