Your CFA Tool Library

Your complete financial foundation — budget, 10/10/10/70 allocation, debt payoff planner, mortgage calculator, net worth tracker, and emergency fund all in one workbook.

A guided conversation with Grace that uncovers your four core money beliefs, traces them to their origins, and begins the work of rewriting the ones holding you back.

A guided conversation with Grace that audits your scarcity patterns, names the three lies money tells, and helps you build personal abundance statements to replace them.

A guided conversation with Grace that identifies your money personality type, surfaces your blind spots, and builds practical systems that work with your wiring rather than against it.

Six-tab Excel workbook covering company setup checklist, tax and VAT calculator, VAT health check, flat rate scheme analyser, compliance calendar, and VAT reference card.

Map your situation, flag the pitfalls to avoid, score your fit across three business tracks, and produce a personalised summary — ready to take straight into the Business Venture Builder.

A guided conversation with Grace — from your skills and experience to a concrete income plan. Covers knowledge businesses, service businesses, and blue-collar opportunities.

Model how to finance a business purchase using all 10 acquisition mechanisms — seller financing, bank loans, sale and leaseback, pension-led funding, and more. Includes cashflow viability check, DSCR, return on equity, and professional team checklist.

See what your business is worth, what's holding that value back, and what you'd keep after tax — all in one place. Normalises your earnings, scores the value drivers that move your multiple, quantifies the value gap reachable over a 2–3 year runway, and compares net proceeds across a standard sale, BADR, and an Employee Ownership Trust.

Work out your retirement "number" — the pot that makes work optional — then see where your current saving lands and exactly what closes the gap. Sets your target from the income you want, projects your trajectory, and shows whether to save more or work longer, with a playable withdrawal-rate slider, a plan-durability check, and a later-life care reserve.

Compare how the UK's tax wrappers stack up for your situation — pension relief, the LISA bonus, employer match, tax-free ISAs — ranked by tax efficiency and re-ordering live as you change your tax band and circumstances. Includes the course's principle-based pathway. A comparison, not advice.

Model whether a property deal stacks up before you commit a single pound — two engines in one. Buy · BRRR · HMO works out the capital you deploy (with current SDLT), what refinancing pulls back out, and your return on the capital left in. Rent-to-Rent · Serviced Accommodation (Airbnb) models setup cost, the occupancy-driven P&L, and the break-even occupancy that shows how robust the deal really is.

The lowest monthly payment is rarely the lowest true cost. Compare all five ways to fund a car — PCP, Hire Purchase, leasing, a personal loan and cash — on what you actually pay and, crucially, what you own at the end. Then see the difference over a lifetime between financing a new car forever and buying one and keeping it.

The most powerful tool in behavioural finance isn't willpower — it's pre-commitment. Decide while you're calm what you'll do when you're not. Set your objectives, honest risk tolerance, target asset allocation and rules, then save a dated, personal Investment Policy Statement to keep and revisit — the document that governs your decisions when markets tempt you to act.

Identify your loan plan, project repayments, model pension salary sacrifice savings, and work through the parental gift decision — all with 2026–27 thresholds.

The flagship planning tool — map your whole financial life year by year, in today's money, and see whether your money outlasts your plan. Models UK income tax and National Insurance, tax-aware pension drawdown, your home, mortgage, children, later-life care, downsizing and giving — for one person or a couple, each taxed individually. Stress-test it, compare against last year's plan, and save it as a PDF.

See exactly what it takes to reach your first £1 million — set your starting point, monthly contributions, time horizon and expected growth rate, and watch compounding do the heavy lifting. A projection to inspire a plan, not financial advice.