Financial planning

Compares loan or credit offers on APR, total cost, fees, flexibility and risk, with a repayment schedule view, an affordability check and questions to ask each lender.

Compares mortgage types and terms - fixed, variable, term length, offset and overpayments - with worked payment scenarios, rate-shock tests and questions for a broker.

Compares renting and buying a home over a time horizon with every cost on both sides, the opportunity cost of the deposit, the break-even year and a sensitivity check on the key assumptions.

Runs a yearly personal finance check-up across net worth, cash flow, debt, emergency fund, insurance, retirement and goals, pausing between steps and ending with a ranked action list.

Explains what drives credit scores or credit files in the person's country and builds a plan to improve theirs - payment history, utilisation, errors to dispute and a realistic timeline.

Helps an adult child take over an ageing parent's finances - legal authority to verify, bills, income and benefits, scam protection, record keeping and family communication.

Prepares a negotiation with a creditor for a hardship plan, reduced payments or a settlement - budget summary, the ask, a call script and a letter - plus free debt-advice options.

Compares buying a car new or used, leasing or financing on total cost of ownership, including depreciation, insurance, fuel or charging, maintenance and finance costs.

Compares avalanche and snowball payoff orders month by month for a set of debts and one monthly payment, showing payoff dates, total interest and the trade-off between them.

Plans saving for a child's education with cost estimates to verify, monthly amounts under several return scenarios, account types to research and trade-offs with other goals.

Calculates a financial-independence number and timeline from spending, savings rate and return assumptions, with scenarios, a sensitivity check and sequence-of-returns caveats.

Plans a household's money around parental leave - the income gap month by month, benefits to verify, baby costs, a pre-leave savings target and a leave-period budget.

Projects retirement savings under low, middle and high return assumptions after inflation and fees, translates each into sustainable annual income, and lists the questions to take to an adviser.

Builds a financial checklist for separation or divorce - assets and debts inventory, documents, steps to protect yourself, budgets for two households and questions for a lawyer and adviser.

Plans what to do with a bonus, inheritance or sale proceeds in priority order - pause, tax check, debts, emergency fund, goals and enjoyment - with questions for a professional.

Prepares a mortgage application with a document checklist, a rough affordability check, credit-file preparation, upfront costs, broker questions and a timeline from pre-approval to completion.

Reviews a household's insurance - health, life, disability, home, car and liability - for gaps, overlaps and weak spots against its situation, with questions for a broker.

Plans age-appropriate money lessons for each child - allowance systems, saving jars, spending choices, compound-interest games and family conversations - shaped by the family's values.