Life Decisions You Can Model
Pick the question you are already asking. The journey it opens can hold more than one dated event — a house, then a pay change, a child, a remortgage — on the same UK tax years. Free paths run 15 years; paid unlocks run 30.
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Then The Events That Follow
This question starts the journey. Add later events on the same years so tax, leftover cash, childcare and retirement move together. A calculator answers one slice. Free paths run 15 years; paid unlocks run 30.
Home And Mortgage
Buying, remortgaging, or putting leftover cash on the loan — next to tax and retirement on the same years.
- Could We Afford This House?Stamp duty, the deposit and the new mortgage — on the same years as tax and retirement.
- Overpay The Mortgage, Or Invest?Extra to the mortgage versus leftover cash to ISAs — two journeys, no winner labelled.
- What If We Remortgage?Coming off a cheap fix: a new rate, fees and optional ERC — then a different payment next to household tax.
Work And Pay
A pay change, a partner pausing work, or a company car — knock-ons that keep running after the date you set.
- What If My Partner Stops Working?One income changing — tax, student loans and Child Benefit clawback on the same household path.
- What If My Pay Changes?A new salary is not take-home times twelve — bands, loans and childcare gates can all move.
- What Does A Company Car Cost In Tax?BiK on P11D list price — 4% for a zero-emission car in 2026/27 — next to salary and company cash.
Family
Nursery is only the start. Child Benefit, HICBC and England’s 30 funded hours sit in the same multi-year run.
Retirement Timing
Stopping at 55 is a cash-flow chain before State Pension — and before the 2028 pension-access change.
Ltd Company
Salary, dividends after the April 2026 tax rise, and directors’ loan credit — next to the rest of the household path.
Standalone Calculators
Useful for a year-slice illustration. They do not replace a journey when several life events have to sit on the same 15- or 30-year path.
Kumberi is educational modelling, not a financial adviser. Figures are illustrations under stated UK tax and pension assumptions. Nothing on these pages is a recommendation to buy, sell, borrow, extract or retire.