Define
Start with a precise decision and set out what the calculation includes, excludes and compares.
Our approach
How Money Considered works
Money Considered turns important financial questions into transparent calculations. Each tool identifies the relevant costs, cash flows, timing and assumptions, then shows how those elements shape the result.
Enter
Collect the material information using clear definitions and consistent terms.
Calculate
Apply documented formulas, timing conventions and relevant tax rules.
Explore
Test alternative assumptions and named scenarios to see what changes the result.
Understand
Explain the answer, its main drivers, its limitations and the assumptions worth checking.
Assumptions
Material assumptions stay visible
Financial decisions depend on figures that may be uncertain, especially when they concern future returns, inflation, property prices or income. Each material assumption is entered by the user, stated as zero, marked not applicable or identified as included elsewhere.
Uncertainty
Scenarios are illustrations
Low, central, high and stress scenarios show how different inputs affect an answer. They are comparisons rather than forecasts, probabilities or guarantees.
Open methods
The reasoning can be checked
Every calculator publishes its purpose and scope, formulas, timing, assumptions, sources, limitations and numerical tests. Material corrections are recorded in Sources and updates.
Consistency
One language across the collection
Shared definitions, display rules and testing standards make figures easier to compare. New calculators will use the same foundation while publishing the assumptions specific to their question.