Financial Planning Centre

It’s never too early to start planning the future you want. The Financial Planning

Centre brings all your options into one place – so it’s easy to find what you need.

Savings vs Investments tools

Savings and Investments

Savings accounts are a low-risk and accessible way to look after your money. If you’re looking to make your money work harder, you might consider investing.

Remember: The value of investments and the income from them can fall as well as rise, and you may get back less than you invest. If you’re not sure about investing, seek financial advice. Tax treatment depends on personal circumstances and may be subject to change.

About ISAs

With an ISA (Individual Saving Account) you can save or invest tax efficiently.

Your ISA options

Savings Calculator

Plan your savings and reach your goals with the help of our Savings Calculator.

Savings calculator

Investment advice

Expert advice from our partners at Schroders Personal Wealth starts with a free, no obligation chat, then a financial plan that’s tailored to you.

Eligibility criteria applies. Fees and charges may apply.

Get expert advice

Ways to invest

Manage your own portfolio or let us do it for you. We have a range of options to suit all levels of experience.

Investment options

Boost your investment skills

Develop your investment skills with these easy-to-read articles.

Boost your skills

Start investing

Ready to start investing? Read the beginner’s guide to get you started in five simple steps.

Beginner’s guide to investing

Risk explained

Understanding risk makes you an informed investor. Read about the different types of risk.

More about risk

What kind of investor are you?

Take the interactive quiz to find out what type of investor you are.

Start the quiz

Research the market

Our research centre has the latest market news and more.

Research tools

Your retirement

Whatever stage of life you’re at – nearing retirement, already retired or just starting to think about it – we can help you make the most of your pension options.

Pensions are a long-term investment. The retirement benefits you receive from your pension plan will depend on a number of factors including the value of your plan when you decide to take your benefits which isn’t guaranteed and can go down as well as up. The value of your plan could fall below the amount(s) paid in.

Pension Calculators & Tools

Calculate and compare your pension options using these tools.

Courtesy of the pension experts at Scottish Widows.

Pension toolsOpens in a new tab

Home and Mortgages

Home has never been so important. Whether you’re renting, want to buy a property or make some improvements, we’re here to help.

You could lose your home if you don't keep up with mortgage repayments.

Want to pay off your mortgage sooner?

Find out how much you could save by overpaying on your mortgage.

Limits may apply.

Overpayment Calculator

Mortgage calculator

See how much you could borrow and what your monthly repayments could be.

Calculate your mortgage

Wealth Management

Expert advice for you, every step of the way. Wealth management and financial advice from our partners at Schroders Personal Wealth.

How to talk to an expert

Book an initial consultation with a member of the Schroders Personal Wealth team, who'll tell you more about the service, ask about your financial needs and goals, then match you to a specialist adviser.

Book an appointment

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.  Schroders Personal Wealth is a trading name for Scottish Widows Schroder Personal Wealth Limited.