Planning Tools
Tools & Calculators
Interactive financial planning calculators based on Scottish income tax rates. Use these tools to explore your options — then speak to one of our independent advisers for personalised guidance.
Financial Health Check
Financial Health Check
Answer a few quick questions to receive a personalised financial health score across retirement, protection and estate planning.
This health check provides a simplified indicative score based on the information you enter. It does not constitute financial advice. Scores are for illustrative purposes only. Please speak to one of our independent advisers for a full personalised review.
Individual Calculators
Pension Gap Calculator
Estimate your projected retirement fund and whether it will meet your desired income. Based on Scottish income tax rates.
Include employer contributions if applicable
In today's money, before tax
This calculator provides estimates for illustrative purposes only and does not constitute financial advice. Results are based on the figures you enter and simplified assumptions. Actual outcomes will vary. Please speak to one of our independent advisers before making any financial decisions.
Ready for Personalised Advice?
These calculators give you a useful starting point — but every financial situation is different. Our independent advisers will take the time to understand your full picture and build a plan around your goals.
Book a Free ConsultationImportant — FCA compliance notice: All calculators on this page are provided for illustrative and educational purposes only. They do not constitute financial advice, a personal recommendation, or a regulated financial promotion. Results are estimates based on simplified assumptions and the figures you enter. Tax treatment depends on individual circumstances and may be subject to change. Scottish income tax rates and thresholds for 2026/27 are used where applicable; CGT rates reflect the changes effective from October 2024. SBC Financial is authorised and regulated by the Financial Conduct Authority (FCA reference 997666). You should always seek independent financial advice before making any financial decisions.