Free tools

Four free tools to get a clear picture of your money.

No cost, no catch, no judgement — just the honest numbers, in your inbox in minutes.

Track it
MONTHLY MONEY MAPIncome£2,400Essentials£1,380Lifestyle£600Left over£420

The I&E Tracker

Stop guessing where it goes. Fill in your numbers and get your Monthly Disposable Income in minutes — the exact template from the book, done for you.

Clear debt
PAYOFF PLAN£0

The Debt Calculator

See the whole picture, then breathe. Every balance, every rate, one page — and exactly what to clear first.

Build credit
CREDIT SCORE721GOOD ↑

The Credit Action Plan

A dated plan for your score. The exact steps to repair and build your credit, laid out in order, with real dates to aim for.

Why these are free

No catch. Just a fair first step.

No pressure

Use every tool here without ever booking a call or spending a penny.

Just your email

Confirm it once and your tool lands instantly — nothing else, ever sold.

A real next step

Every tool ends with a plain answer — and points you to what to do next.

Do I have to give my email?
Yes — just an email address. The moment you confirm it (one click on the verification email), the tool lands straight in your inbox. You’ll also join our newsletter, but you can unsubscribe from that any time — the tool is still yours either way.
Is this regulated financial advice?
No. These are educational tools, not regulated advice. They show you your own numbers clearly — they don’t tell you which specific products to buy. For a personal recommendation, you’d want an FCA-authorised adviser.
Which one should I start with?
The Financial MOT — it’s the five-minute baseline that points you to whichever of the other three (or the coaching programme) will actually help most.
Ive used the tools — what’s next?
If you want a plan built around your specific numbers rather than doing it alone, book a free Money Clarity Call.

Want a plan built around your numbers?

The tools show you where you stand. A free Money Clarity Call is where we figure out what to do about it.

Book your free call

Free · 20-30 minutes · no pressure, no jargon

Money & Growth 101

Plain-English personal finance for your 20s and 30s.

Money & Growth 101 provides financial education and coaching, not regulated financial advice. Nothing on this page is a personal recommendation to buy or sell any specific investment or financial product. If you need regulated advice tailored to your circumstances, please speak to an FCA-authorised financial adviser. Your capital is at risk when investing.