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ron@cotonfinancial.co.uk

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Retirement Planning

Achieving financial independence means having enough income at a point in time, to decide whether to work or not. When planning for your future, you need to consider the lifestyle you want when you retire and how you'll support it.

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Financial Calculators

We've provided a selection of useful calculators below. We hope you find them useful but remember that the figures are for illustration and should not be used for making any financial decisions.

Please note we don't store or see any of the information you input to these calculators.

PAYE Calculator

PAYE Calculator

Estimate your take home pay based on your annual income and include tax deductible elements such as pensions and student loans.

Inheritance Tax Calculator

IHT Calculator

By gifting at least 10% of your net estate to charity a reduced rate of Inheritance Tax may be applicable. Use this calculator to work out whether an estate will be liable to pay inheritance tax.

Pensions Shortfall Calculator

Pension Calculator

Calculate how much retirement income you might receive from saving in a personal, stakeholder or group personal pension.

Mortgage Repayment Calculator

Mortgage Repayment Calculator

Find out how much your monthly mortgage payments could be. This can help you work out how much you could afford to borrow. The figures are only a guide to what you might pay, the exact cost will depend on the particular mortgage you choose.

Loan Repayment Calculator

Loan Repayment Calculator

Use this calculator to help you work out how long it will take to repay your loan or how much you will need to repay each month. You can also compare different loan rates and timescales and save your results in a table to help you compare them.


The financial conduct authority does not regulate some forms of mortgage and tax planning and does not regulate tax advice that does not contains an investment element.