Kumberi
See What A Life Decision Could Mean For Your Money
You do not wake up wanting a 30-year projection. You want to know whether you can afford the next big choice — before it becomes irreversible. Model that choice under UK tax and pension rules you can inspect.
Two free decision paths. No credit card required.
Start With The Question You Are Actually Asking
If one of these is already in your head, start there.
Built For One Question, Not A Full Plan
You have a specific choice in mind — a house, a pay change, a child, stopping work. This models that one choice under UK tax and pension rules, so you can see it clearly before you commit.
A Budget App Will Not Answer This
Salary, pensions, ISAs, mortgages, student loans, childcare and tax bands move together. Watching last month’s spending does not tell you what happens if you change your life.
See Two Paths Side By Side
Run the choice one way, then the other. Compare cash flow, tax and retirement on the same screen instead of two spreadsheet tabs and a guess.
A Spreadsheet Misses The Knock-Ons
One wrong tax assumption cascades. Change one thing and watch cash flow, tax and retirement move together in the same UK model.
How Modelling Works
Name the decision, run the what-if, then open the working.
Name The Decision
Enter your situation and the change you are considering — a house, a pay cut, a child, early retirement — with optional templates to start quickly.
Run The What-If
Compare paths side by side under the same UK tax and pension rules. Add a second or third decision to the same timeline — a job change, a child, a remortgage — and see how they knock into each other, not just each one alone.
Inspect The Evidence
Read a plain-language verdict, then drill into assumptions, tax and cash flow. Confidence you can audit — not a black box.
Trust Comes From Seeing The Working
It is easier to commit when you can open the tax, cash flow and assumptions behind the chart.
UK Tax You Can Open
Income tax, NI, dividends, SDLT variants, student loans, childcare and more — with documented assumptions linked from results.
Connected Life Timelines
Property, work, family and business changes sit on one year-by-year model — not a pile of disconnected calculators.
Ranges, Not False Certainty
Explore many market paths where useful — and treat every chart as an illustration under stated assumptions, never a promise.
Quick Tools Beside A Fuller Plan
Use these on their own, or carry a yearly total into a fuller what-if.
Mortgage Calculator
Illustrative remortgage paths, overpayments and a shared ownership calculator. Not a lender quote.
Open Mortgage CalculatorCar Cost Comparison
Compare buy, hire purchase, PCP, lease or company-car BiK. Illustrative figures only.
Open Car Cost ComparisonHousehold Cash Flow
A typical month of income and outgoings. Copy the yearly living-cost total into a plan — not a bank-connected tracker.
Open Household Cash FlowDecide With Clearer Sight
Try it free. Pay £3.99 when one choice really matters. Or keep going for £7.99 a month.