Free diagnostic & tools
Calculate, understand, decide.
Start with your free wealth diagnostic, then refine the picture with our simulators. No sign-up, and if you want to go further, let's talk it through together.
Start here · Free · 3 minutes
Your Intelligent Wealth Diagnostic
A few guided questions, one at a time, and you get your Wealth Health Index out of 100: strengths, blind spots, optimisation opportunities and a 12-month action plan. The ideal starting point, before going further.
Start my diagnosticYour Wealth Health Index, calculated live
High-level athletes · Free
The post-career countdown
One day, income from sport stops. Visualise the cliff, discover your freedom capital and the plan to prepare for what comes next, while you're still earning well. The tool I wish I'd had.
Start the countdownof your financial freedom, estimated live
Financial independence · For everyone · Free
At what age will you be free?
Being free is the day your wealth lets you live without a salary. Discover your freedom number, the age at which you'll reach it at your current pace, and the path to get there sooner.
Calculate my age of freedomat what age, and how to get there sooner
And our free simulators
Real estate
Rental yield
Price, rent, loan, insurance: your real cash flow, month by month.
Open the toolPurchase
Notary fees
How much will you really pay in notary fees, for an existing property or a new build.
Open the toolHome loan
Borrowing capacity
How much you can borrow based on your income and the loan term.
Open the toolFirst-time buyer
PTZ simulator
The amount of your Prêt à Taux Zéro (zero-interest loan) based on your zone, household and income.
Open the toolWealth transfer
Inheritance tax
What your heirs would pay, and how much planning ahead can save.
Open the toolReal estate
Real estate capital gains
The tax due on selling a rental property or a second home.
Open the toolReal estate
LMNP investment
Your net rental income after depreciation, under furnished rental.
Open the toolTaxation
Tax savings (PER)
How much a payment into your PER reduces your income tax.
Open the toolReal estate
Rent or buy?
The numbers, compared: staying a tenant versus becoming an owner.
Open the toolSavings
Compound interest
What your savings could become in 10, 20 or 30 years.
Open the toolThese tools give order-of-magnitude, educational estimates. They do not replace a study tailored to your own situation.
Start together
Wealth is built over time.
Let's plan a first 30-minute conversation. No commitment: a clear discussion of your situation, and the priorities that follow from it.
Or receive The Oak Letter every month.
