AMBITION · FREE TOOLS
Free tools that work in any currency.
Each tool comes from one of our courses. Enter your own numbers, in your own currency, and see where you stand. Your answers stay in your browser.
Foundation Tools
FROM COURSE 01 · TAKE CONTROL OF YOUR MONEY
Personal Financial Health Scorecard
Twelve questions about your income, spending, savings and debt. You get a score out of 100, a result for each of four areas, and the areas to review first.
12 QUESTIONS · ABOUT 3 MINUTES · ANY CURRENCY
FROM COURSE 02 · DEBT & CREDIT
Debt Payoff Calculator
Enter your debts and see your total monthly payment, when you could be debt-free, and how the avalanche and snowball methods compare on time and total interest.
ANY NUMBER OF DEBTS · ABOUT 5 MINUTES · ANY CURRENCY
FROM COURSE 03 · HOW TO START INVESTING
First Investment Portfolio Checklist
Five phases, from your personal foundation to building, opening and maintaining a portfolio. See where you are, what comes next, and print your progress.
25 POINTS · FIVE PHASES · ANY EXCHANGE
Intermediate Tools
FROM COURSE 04 · HOW TO READ A COMPANY’S FINANCIALS
Financial Ratio Calculator
Enter six figures from up to three annual reports and see EPS, P/E, dividend yield, debt-to-equity and return on equity side by side. Each field shows where to find the figure, and you can print a one-page summary.
FIVE RATIOS · UP TO THREE COMPANIES · ANY CURRENCY
FROM COURSE 05 · PROPERTY & REAL ESTATE
Rent vs Buy Calculator
Compare the full cost of renting and buying year by year. Find your break-even year, see which estimates move it, and print your comparison.
BREAK-EVEN YEAR · UP TO 30 YEARS · ANY CURRENCY
FROM COURSE 06 · START & FUND YOUR BUSINESS
Startup Cost Calculator
Add up what it costs to open and run a business. See the most cash it needs before sales cover costs, your first 90 days and your break-even month, then print your plan.
FUNDING NEED · 90-DAY VIEW · BREAK-EVEN · ANY CURRENCY
FROM COURSE 07 · UNDERSTANDING MARKETS & THE ECONOMY
Personal Inflation Calculator
Work out your own inflation rate from what you actually spend. See which costs drove it, how it compares with the headline rate, and what it means for your pay.
YOUR OWN RATE · 8 CATEGORIES · ANY CURRENCY
Advanced Tools
FROM COURSE 08 · PORTFOLIO CONSTRUCTION & WEALTH BUILDING
Portfolio Diversification Calculator
See how spread out your money really is: your effective number of holdings, your asset classes against your own plan, and how much sits in one sector or your home market.
CONCENTRATION · GAPS TO YOUR PLAN · ANY CURRENCY
FROM COURSE 09 · RETIREMENT & ESTATE PLANNING
Retirement Income Gap Calculator
Compare the income you want in retirement with what your pensions pay. See the yearly gap, the savings needed to fill it, and the monthly saving that builds them.
PENSIONS · SAVINGS · TODAY’S MONEY · ANY CURRENCY
FROM COURSE 10 · FINANCIAL LITERACY FOR BUSINESS OWNERS
Small Business Cash Flow Template
Map cash in and cash out for the next 13 weeks. See the lowest balance, every week below your buffer, and what slower sales or later payments change.
13 WEEKS · ROLLING · SCENARIO TEST · ANY CURRENCY
The tools show where you stand. The courses teach the method.
Ten courses, each ending with something you build for your own finances.
Ambition’s tools are for financial education. They are not financial advice.