Five questions in.
A clear picture out.
No account types to choose. No jargon to decode. You tell us what you own and who looks after it — everything else follows from that.
We never ask whether you're a landlord
Because it's the wrong question. One person can own the house they live in, a flat an agent runs, and a cottage they let out at weekends. Same five questions, whatever the mix.
How many properties do you own?
One is a perfectly good answer. Most people start with the house they live in.
Who looks after this one?
You, an agent, it's a holiday let, or you live in it. This one question decides what you see and what you never have to.
Is there a mortgage on it?
Drop in the offer and we'll fill the form in. Or type it — four fields, a minute.
Your answers decide where you start. An agent-run property opens with what the agent actually costs you. A holiday let opens with a bad summer. Every account gets the whole model library either way — the answers just put the right one in front of you first.
See it
One number for everything you own, and — crucially — your home shown separately from the rest.
Every other tool blends them. But you can't spend the house you live in without moving out of it, so counting it as available money makes the total a fiction. We keep them apart.
Values update themselves. You don't maintain a spreadsheet.
Worth £940,000 · you owe £412,000 · as at 12 Aug
You can't spend your home without moving. So we never fold it into one figure and call it wealth.
Drop the paperwork in. It files itself.
A plumber's invoice, a gas certificate, a council letter, an insurance renewal. Drop it on the property and Bernwy works out what it is, what it cost, and what date you need to remember.
It becomes money
£95 to the gas engineer lands in that property's costs, so your yearly figures are real rather than remembered.
It becomes a date
Next gas check due in twelve months, on your timeline, before it's urgent.
It stays a document
Filed against the right property, findable in seconds. Three years of paperwork becomes a history worth having.
You check it before it saves. Nothing lands in your numbers without you seeing it first. And if a document can't be read, it's still filed — you just type the details in yourself.
Test it
One question at a time, run against your real position rather than a generic calculator.
What happens when my fixed rate ends?
The date's on your mortgage offer. The number isn't. Now it is.
What if things went wrong?
A property sits empty. You stop earning. The boiler goes. How many months would you last?
Pay down the mortgage, or invest it?
Both sides, same money, same timeframe. You read the difference and decide.
Plan it
Set a target — a number you choose, by a date you choose — and track whether you're getting there.
Move the sliders. Change what you'd put away each year and how long you plan to keep working. Watch where you land.
Then export the whole thing as a pack you can hand to your broker, accountant or planner.
Plan it isn’t open yet. You can put your name down for it on the pricing page.
Your home is £420,000 of this. You can't spend it without moving. Every other retirement calculator quietly ignores that.
We show you the gap. Never the remedy.
Bernwy tells you you're £340 a month short of the target you set. It won't tell you to increase your contributions, name a product, or rank your options — that's advice, and it belongs with a qualified human who knows your whole situation.
What we can do is make sure you arrive at that conversation with your numbers straight.