What does the Financial Health Check assess?
It considers the figures you enter for income, spending, debts, savings, pensions, retirement goals and existing protection. It then provides separate illustrative retirement and protection indicators.
Free interactive tool
Financial Health Check Calculator
Review your retirement plans and existing financial protection using your own figures. The result is an illustrative starting point, not personal financial advice.
Your Financial Health Check
Free · No obligationRetirement trajectoryProtection gapClear verdict
Financial Health Check
Step 1 of 5Your Finances
Income, savings & debts
Retirement Goals
Target age & income
Protection
Policies in place
Your Details
Contact & consent
Your Report
Health assessment
Your Financial Situation
years
years
£
Before tax, from all sources
£
£/month
Bills, food, transport, discretionary spending
£/month
Mortgage, loans, credit cards
Children or adults who rely on your income
£
Cash, ISAs, investments (excluding pensions)
£
Include all workplace and personal pensions
£/month
Employee + employer contributions combined
How the Financial Health Check works
How is the retirement projection calculated?
The tool projects the pension and savings figures entered to the selected retirement age using the growth assumption shown in the tool. It compares the projected amount with an illustrative pot based on the chosen retirement income and the calculator assumptions.
Is the Financial Health Check financial advice?
No. It is an educational planning tool, not a personal recommendation or regulated financial advice. Its output is illustrative and depends on the accuracy of the information and assumptions used.
Does a result guarantee my retirement income or protection needs?
No. Investment growth, inflation, charges, tax, State Pension rules, insurance eligibility and personal circumstances can change. A regulated adviser would need to complete a full fact-find before making a recommendation.
Assumptions are reviewed by Castle Stonebridge and may be updated. Results do not account for every possible tax rule, product charge, inflation outcome, investment return or underwriting decision.