A useful starting point, not a final answer.
The Real Number provides general planning tools, not financial, tax, mortgage, legal or benefits advice. Use the results to start a conversation — not as the only reason to make a decision.
Check the details that matter
Before you act, check your actual payslip, nursery quote, mortgage illustration, property costs and official government information. Tax, National Insurance, benefits, childcare support, mortgage rates and lender criteria can change and vary by household.
Limits of the tools
- The Work Week does not decide your childcare funding entitlement or replace an official benefits check.
- The Home Plan does not tell you what a lender will offer or approve.
- The Life Sheet only includes the costs you choose to add.
- Any result can only be as accurate as the figures and assumptions used.
Using the site
Please use the tools lawfully and do not rely on them where you need regulated advice. If you need debt help, mortgage advice or investment advice, use an appropriate regulated adviser or a trusted free service such as MoneyHelper.
Changes
We may update the tools, assumptions and this information as the site develops. The version on the site is the current version.