Calculators
Answer the big question in a minute.
The planning lab isn't only for people who've signed up. The same modellers run free on the open web — no login, no email wall. Get a real answer to a real question, and when you're ready, start your own Tessera to see the whole picture behind it.
Three to start with
The questions worth getting right.
Each one runs the same modeller that sits inside Tessera. You get a real answer straight away — no sign-up needed to try it. Previews below.
Retirement age
When can I afford to stop?
Mortgage payoff
What does overpaying save?
IHT exposure
What might my estate owe?
Previews of the live calculators. Each runs the real modeller, with the assumptions documented. Try the full versions in the demo →
See the whole picture
One answer is useful. The whole picture is the point.
A single calculator answers one question. Your Tessera answers the rest — every account, pension and property in one place, encrypted so only you can read it, with the same modellers running live across all of it.
- Everything you own in one complete picture
- Zero-knowledge: encrypted on your device, unreadable to us
- Invite guidance in when you want it — your own AI, or an adviser
Why go further
A calculator answers one question. Tessera answers the lot.
These tools are free and open to anyone. Signing up is what turns a one-off answer into a living picture of your whole financial life.
One complete picture
Every account, pension, property and card in one place — totalled, categorised and kept current, so you always know where you stand.
Yours alone
Encrypted on your device with a key only you hold. We store ciphertext and nothing else — we can't read a transaction, a balance or a note.
Guidance on your terms
Point your own AI at your real numbers, or invite an adviser in — scoped to what you choose to share, and revocable whenever you like.
Own your whole picture
Ready to see behind the number?
Create your account, bring your accounts in, and watch these same modellers run live across everything you own — encrypted so only you can read it. Free to start.
Create your account →