Household
Free tool
Start with what you own and owe. See what you can use now, what is reserved and what becomes available later. Your saved figures carry through the connected plan.
Use EUR throughout. Convert foreign balances yourself; this plan does not fetch exchange rates.
1. Your starting point
For a couple, use one person’s age as the timeline. Express a partner’s pension start as that same person’s age at the time.
2. What do you own?
Pick an asset type. Add only what you have; a current statement is a good starting point. A pension pot is something you own: money you draw from yourself later.A pension pot has a balance, like a workplace or personal pension: it counts in your net worth and you draw from it from the access age. A pension that pays you a set income instead (state pension, final-salary scheme, annuity) is not something you own: add it in the next step, Pension income & protection.
3. What do you owe?
Include mortgages, car loans and other debts. Add the required monthly payment here; extra repayments come later in Budget.
No debts? Leave this list empty.