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.

Explore the One-Income Stress Test →

FEATURED TOOL

Could your household handle an income loss?

See what happens if part of your household income disappears. Enter four simple numbers and explore how your remaining income, essential expenses and accessible savings could affect your household’s financial breathing room.

Takes about 60 seconds.

Test my household →

WHY POCKET UMBRELLA

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.

01

Simple scenarios

Useful questions, translated into understandable numbers.

02

Transparent calculations

See the assumptions and methodology behind the result.

03

Privacy-conscious

Where practical, calculator inputs are processed in your browser.

BUDGET LENS

Plan for the costs your monthly budget may miss.

Budget Lens brings your monthly budget and other expected costs into one monthly planning figure for the next 12 months.

Try Budget Lens →