Planning Tools
Practical worksheets and frameworks included with our courses to help you apply what you learn directly to your own financial situation.
Tools That Support Every Decision
Each tool is designed to make abstract financial concepts concrete and actionable. They work alongside the course content, not as standalone products.
Personal Net Worth Tracker
A structured worksheet for mapping all your assets and liabilities, calculating your net worth, and tracking how it changes over time. Includes guidance on how to value different asset types and how to categorize pension entitlements.
Property Cost Calculator
Full acquisition cost breakdown including ITP/AJD, notary fees, registry costs, and ongoing ownership expenses.
Savings Rate Planner
Helps you determine a sustainable savings rate based on your income, fixed expenses, and financial goals timeline.
Retirement Gap Estimator
Compares your projected public pension with your estimated retirement spending needs to identify any supplementation gap.
Education Cost Planner
Estimate future education costs and calculate the monthly savings needed to meet them within your target timeline.
Financial Decision Framework
A structured worksheet for evaluating any major financial decision: opportunity cost analysis, risk assessment, tax implications, and long-term impact projection. Applicable to property, investment vehicles, major purchases, and career decisions.
Insurance Needs Assessment
A structured review of your insurance coverage against your actual exposure to identify gaps and overlaps.
Life Events Financial Calendar
Maps major anticipated life events to their financial implications, helping you plan capital requirements years in advance.
Designed for Real Use
Every tool has been designed for practical use, not theoretical demonstration. They are formatted for clarity and built around the specific decisions Spanish residents face.
How to Access the Tools
All planning tools are included as part of the relevant course or workshop. They are not sold separately. When you enroll in a module, you receive access to all associated tools and worksheets.
Tools are provided in digital format, designed to be completed on screen or printed for use in planning sessions.
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About the Tools
Yes. All tools are developed with the Spanish regulatory, tax, and financial context in mind. References to taxes, pension systems, and financial products are specific to Spain. The property cost calculator, for example, includes ITP, AJD, and other Spain-specific transaction costs.
No. The tools are educational resources that help you organize your own information and apply the frameworks taught in the courses. They do not provide personalized financial advice or investment recommendations. For personalized advice, you should consult a registered financial advisor.
The tools are designed to be used in conjunction with the course content. While you can use them independently, they are most effective when you have completed the relevant module, as the course content explains how to interpret the results and what actions they might inform.