A little preparation for life’s
financial rainy days.

Simple tools to help you understand how your household might
handle changes in income, expenses and savings.


Difficult questions are easier before they become urgent.

Financial resilience isn’t only about how much you earn or save. It’s also about understanding what might happen when circumstances change. The Pocket Umbrella creates simple tools that let you explore those situations before you need to make decisions under pressure.

Simple scenarios

Useful questions, translated into understandable numbers.

Transparent calculations

See the assumptions and methodology behind the result.

Privacy-conscious

Where practical, calculator inputs are processed in your browser.


More useful tools are coming.

The One-Income Stress Test is the first Pocket Umbrella tool. We’re building practical tools around household savings, income changes, housing and financial resilience.