59 tools

Tools to work with

Calculators, tests and worksheets. You use them in your course, in a coaching session or simply at home. What you enter is saved on your device, and in your account if you are signed in. If you work with a coach, you can choose to share your workspace. Your coach then reads along and does not fill in anything.

Who it’s for

About

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Tools for course participantsLog in to use the toolsBelow you can see which tools there are: from a budget check and a debt overview to pensions and stress. You can only use the tools themselves with personal access, which you receive after enrolling. Already have an access code? Log in and get started straight away.

Coaching worksheets

Worksheets to fill in together with a coach: intake, goals, action plan and conversations.

Your money biographyWrite down your money story: what you were given, what you experienced and what you are left with.For yourselfCoaches Intake interview: guide for coachesA conversation guide for the first meeting with a coachee, with summary.Coaches 30-day action planTurn a goal into four small weekly actions.For yourselfCoaches A goal you can reach (SMART)From a vague resolution to a goal with a measure, a deadline and a first step.For yourselfCoachesSelf-employed Preparing a money conversationPrepare a conversation about money with your partner, family or employer.For yourself Monthly check-inTen minutes a month to look back and adjust.For yourselfCoaches

Behaviour and money psychology

Insight into your relationship with money: personality, values, stress and avoidance.

Well-being roseMap your well-being and see where your strengths lie.For yourselfSelf-employedOrganisations Discover your valuesWhat really matters to you, and how do your values steer your choices?For yourselfSelf-employedTest your financial well-being and peace of mindHow stable do you feel financially, and where could it be better?For yourselfOrganisationsEnergy givers and energy drainersWhat gives you energy and what costs you energy?For yourselfSelf-employedOrganisationsMoney personality testDiscover your money personality and how you handle money.For yourself Money stress thermometerHow do you notice money worries in your daily life?For yourselfOrganisationsAvoidance scanHow strongly do you avoid money matters, and what helps?For yourselfPurchase decision: will you wait a little longer?Six questions before a purchase.For yourself

Budget, savings and debt

Overview, buffer, savings goals and paying off debts.

Smoke-free and more financial freedomHow much do you save by quitting smoking?For yourselfHow much should I save?What do you need to set aside each month for your goals?For yourselfHow much can I spend?Compare your spending with the 50/30/20 rule.For yourself Savings plannerFinal capital, monthly amount or term, after tax and inflation.For yourself Budget plannerYour full budget, with the 50/30/20 guideline and your ideal buffer.For yourself How big should your emergency buffer be?A buffer tailored to your situation, and how quickly you build it.For yourself Pay off debts fasterSnowball or avalanche: when will you be debt-free?For yourselfInflation and purchasing powerWhat is your money from back then worth now, and what will it be worth later?For yourselfIncome and expenses at a glanceWhat is left over, and how heavily do your fixed costs weigh?For yourselfSubscription auditWhat do your subscriptions cost you per year, and what does cutting them save?For yourself50/30/20 splitNeeds, wants and savings: how far are you from the rule of thumb?For yourself

Investing and wealth

Saving or investing, recovering a loss, financial freedom.

Invest rather than save?Compare saving and investing in the long term.For yourself Recovering a loss takes timeHow long does it take to recover an investment loss?For yourselfWhen will you be financially free?The capital you need and the age at which you reach it.For yourself Capital gains taxWhat do you pay on your capital gains, and how do you spread them smartly?For yourselfSelf-employedTax-advantaged pension saving or a global ETF?Tax-advantaged pension saving or free investing: what do you keep net at retirement?For yourself

Housing, credit and insurance

Rent or buy, compare loans, refinance.

Rent or buy?Compare the pros and cons of renting and buying.For yourself Loan calculatorMonthly payment, loan amount or term, with repayment table.For yourselfSelf-employed Compare loansCompare up to three credit offers.For yourselfSelf-employed Housing project: what does it really cost?Purchase tax, notary, loan deed and your monthly payment in one calculation.For yourself Is refinancing worth it?Does a lower interest rate outweigh the cost of switching?For yourselfCar: cash, loan or lease?Compare the total cost of each option.For yourself Am I well insured?What is missing, what is duplicated, and what comes first.For yourself

Pensions, tax and law

Pension shortfall, pension saving, inheritance and gifts, notice period.

Supplementary pension with tax advantageHow much supplementary pension can you build up with tax incentives?For yourselfSelf-employedDo I have a pension shortfall?Is your pension enough for a worry-free retirement?For yourselfSelf-employedTax-advantaged pension saving: what does it give you?Your tax benefit, the tax on withdrawal and what you keep.For yourself Inherit or gift?Inheritance tax and gift tax side by side, with the rates you enter.For yourself Notice period and severance payHow long and how much, with the rules that apply to you.For yourselfSelf-employedOrganisations

Business

Canvas, SWOT, persona and customer value for self-employed people and SMEs.

Create an organisation chartVisualise the structure of your organisation.Self-employedOrganisations Mission and pitchYour mission, pitch and slogan, with variants from the AI coach.Self-employed Business Model Canvas with AI analysisFill in your canvas and let the built-in AI coach review it right away.Self-employed SWOT analysis with strategiesFrom SWOT to concrete strategies and priorities, with the AI coach.Self-employedOrganisations Persona of your ideal customerA rich persona with objections, channels and messages.Self-employed Calculate the value of your customerThe Customer Lifetime Value of your customers.Self-employed Am I doing well with my health?A check for entrepreneurs who carry a lot.Self-employed

Employers, HR and career

Return on well-being programmes and training, ownership, skills.

Skills and your (future) roleYour match with a role and a development plan.For yourselfOrganisations Ownership among your employeesIncrease ownership and engagement in your team.Self-employedOrganisations ROI of an EAPReturn on an EAP through absenteeism, productivity and retention.Organisations ROI of trainingDirect costs, opportunity costs and productivity gains.Organisations

Lifestyle and well-being

Sleep, recovery, weight, alcohol: the foundation of your financial well-being.

Healthy weight for your profileInsight into your BMI and a healthy weight.For yourself Sleep plannerPlan your sleep for rest and recovery.For yourselfSelf-employedOrganisations Recovery plannerRecover smartly after a hard day or sporting effort.For yourself Conception and pregnancyCalculate fertile days and length of pregnancy.For yourself Can I still cycle safely?Estimate whether you can still safely get on the road after a drink.For yourself Am I drinking too much?Does your alcohol consumption fall within healthy limits?For yourself

Prefer to get started together?

All tools also work in a coaching programme. If you wish, you share your workspace with your coach. They read along and discuss it with you, but do not fill in anything. That way you lose no time on explanations and there is room left for the conversation.

Discover working with a coach

Our tools are meant for inspiration and give an indication. They do not replace personal advice.