Personal finance planning for all

The plan a financial adviser would charge £150 for

Answer a few questions about your salary and goals — get a complete personalised plan. Surplus, net worth, retirement projection, debt strategy and a monthly action plan. Free calculators included. Pro plans from £7.99/mo.

Try the demo free → See pricing
Net worth projection
£0
↑ +£425k over 5 years
5 YR OUTLOOK
Y1
Y2
Y3
Y4
Y5
Y6
Y7
Mortgage
£255k
outstanding balance
Monthly surplus
£9.6k
after all outgoings
Pension pot
£84k
projected at 67
ISA savings
£20k
cash & stocks
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The problem

Financial planning shouldn't require an expensive adviser

A proper financial plan — retirement projection, pension optimisation, debt strategy, life event modelling — costs £150/hr from a qualified adviser. Most people never get one.

PFC Go gives you the same quality of financial analysis in a tool that takes minutes, not hours. Pro plans start at £7.99/mo. That's less than 2p a day.

Free calculators included for everyone — salary, mortgage, pension, debt and more. No account needed to start.

"I finally understand what changing my pension contribution actually costs me. Increasing from 5% to 8% only reduced my take-home by £87/mo — I thought it would be nearly double that. Tax relief does a lot more than I realised."
— PFC Go Pro subscriber
"The retirement plan showed me exactly what I need to save each month to retire at 63. Worth every penny — I'd have paid a financial adviser £200 for this and got less detail."
— PFC Go Pro subscriber
What's inside

Free calculators + Pro planning tools

Free calculators for everyday use — salary, mortgage, pension, debt, stamp duty and more. Pro unlocks planning tools that go deeper: personalised plans, tax planning, pension optimisation, FIRE, investment analysis, life events, retirement income and more.

Mortgage
Free
Monthly payments, total interest, repayment schedules, and overpayment scenarios.
Salary & Tax
Free
Take-home pay, income tax, National Insurance, and student loan repayments.
Pension
Free
Project your pension pot at retirement and estimate the monthly income it could provide.
Investment
Free
Project how a lump sum or regular contributions grow over time with compound interest.
Credit Card & Loan
Free
How long to clear your balance, total interest paid, and the fastest payoff strategy.
Inflation & Time Value
Free
What today's money is worth in future. UK inflation data and time-value-of-money calculations.
PRO
Lifestyle
Pro
What gross salary do you need to fund your desired lifestyle? Backsolves from your spending and savings target.
PRO
Pension Contribution Optimiser
Pro
What does changing your pension % actually cost in take-home vs gain in your pension pot? Tax relief explained.
PRO
Retirement Income
Pro
Know the monthly income you want in retirement. Work backwards to find the pot you need and what to save each month.
PRO
FIRE Calculator
Pro
Your Financial Independence number — the pot where investment returns cover your living costs indefinitely.
PRO
Inheritance Tax
Pro
Estimate the IHT bill on an estate — nil-rate bands, RNRB, spouse transfer, and the April 2027 pension changes.
PRO
Cost of Living
Pro
Compare the cost of living across major UK cities. What salary would you need to maintain your lifestyle in Manchester vs London?
PRO
Capital Gains Tax
Pro
Work out your CGT liability on property, shares, or other assets using current HMRC rates.
PRO
Dividend Tax
Pro
Work out the tax due on your dividend income — for investors and shareholders receiving UK company dividends.
PRO
Buy-to-Let
Pro
Rental yield, monthly cash flow and Section 24 tax impact — the true return on a buy-to-let investment.
PRO
Career Move
Pro
What is a new job actually worth in your pocket — after tax, commuting costs, and pension changes?
PRO
Income Protection Gap
Pro
What would you lose if you couldn't work? See your income gap, how long savings last, and what cover you need.
PRO
Self-Employed Tax
Pro
Sole trader vs limited company at the same revenue — compare your total tax bill and take-home under each structure.
How it works

From zero to a plan in under five minutes

1
Try the free calculators
No account needed. Salary, mortgage, pension, debt — all instantly accessible. Get the numbers that matter to you right now.
2
See Jill's demo plan
Try the demo — Average Jill has a salary, a mortgage, and a goal. Watch a complete personalised plan build in real time. No signup required.
3
Build yours with Pro
Enter your real numbers and goal. Get a personalised plan — surplus, net worth, retirement projection, debt strategy and a monthly action plan. From £7.99/mo.
Pricing

Start free, upgrade when you're ready

Free calculators for everyone. Pro plans deliver the full financial planning experience. Adviser accounts for professionals managing multiple clients.

Free
£0
forever
  • All free calculators — no account needed
  • Salary, mortgage, pension, debt & more
  • Fun Finance tools
  • Saved calculator scenarios (with account)
  • Personalised financial plans
  • Pro calculators (FIRE, IHT, Lifestyle…)
  • PDF export
Try free calculators →
Pro
£7.99
per month
= £5/mo · billed annually
  • Everything in Free
  • Personalised financial plans
  • All Pro calculators — FIRE, tax planning, lifestyle, retirement, investment and more
  • What-if scenario modelling
  • Side-by-side Compare mode
  • PDF export
  • Saved plans & plan history
Start Pro — £59.99/yr →
Adviser
£39
per month
  • Everything in Pro
  • Multiple client profiles
  • Adviser dashboard
  • White-label firm branding
  • Branded PDF exports
  • Priority support
Start Adviser →
A financial adviser charges £150/hr. Pro is less than 2p a day.
Ready?

The plan a financial adviser would charge £150 for. We charge £7.99.

Try the free demo — no account, no card. See a complete personalised plan first.

Try the demo free → See pricing