Financial Planning API and Calculator / Modelling Engine APIs
Ship features in weeks, not months and deliver your experience.
Financial planning engines and APIs
Enterprise-grade financial planning APIs
Powerful modelling engines. Complete data access. Production-ready.
Model, Automate and Deliver Financial Advice
Our API-accessible financial planning engines enable you to model, automate and deliver advice at scale. Integrate directly with your existing systems or use alongside Focus products to create seamless financial planning experiences.
Built with a user-centred approach, our tools are designed for both advisers and clients, making complex financial planning easy to understand, engage with and act on.
- Comprehensive Financial Engines: Pension, Tax, IHT, Costs & Charges, Asset Allocation, Risk, Portfolio, Investment Projections, Insurance Needs, Financial Health Check, Advice Engine, Lifetime Optimiser
- Complete API Access: Full CRUD operations on fact-find data, goals, portfolios, and calculations
- Battle-Tested: Used by leading banks and 500+ advisers processing 10M+ calculations monthly
- Developer-Friendly: REST APIs, OAuth 2.0, comprehensive docs, sandbox environment, code examples
The same REST APIs that power our award-winning Advice Management system, now available for your platform. Build retirement planners, wealth dashboards, or full advice journeys with FCA-compliant calculations out-of-the-box.
Introducing Advice Engine
Our automated advice engine removes hours of manual processing from each case, giving mathematically perfect portfolios in moments. Available as a ready-made journey or integrate via our Asset Allocation and Risk Modeling APIs.
Build the solutions your customers need
Our REST APIs give you the freedom to create bespoke financial planning experiences. Add your own UI, extend our existing components, or integrate our engines into your platform.
API-first architecture means you control the experience whilst leveraging battle-tested calculation engines trusted by tens of thousands of users daily. Same core technology powering our Advice Management system, now available to power yours.
A Smarter Approach to Financial Planning
Focus technology is used daily by tens of thousands of people, supporting advisory firms in delivering consistent, high-quality financial advice at scale.
Our planning tools build on this foundation, helping firms improve efficiency, enhance client outcomes and create a more effective, rewarding way to deliver financial advice.
Revolutionary, not evolutionary
Enterprise infrastructure built for regulated financial services. The same APIs powering our Advice Management system are now available to power your platform.
Comprehensive API Suite
Financial Modelling Engines
Enterprise-grade REST APIs for pension calculations, tax optimisation, inheritance tax planning, costs & charges analysis, asset allocation, risk modelling, portfolio management, investment projections, insurance needs analysis, financial health assessments, automated advice recommendations, and lifetime financial optimisation.
Pension Income Modeling
Calculate sustainable withdrawal rates, model drawdown scenarios, and project retirement income across multiple pension pots (SIPP, workplace, state pension).
Tax Optimization Engine
UK-specific income tax, capital gains tax, and dividend tax calculations. Model ISA vs GIA strategies and optimize withdrawal sequences across tax years.
Inheritance Tax Planning
Calculate IHT liability, model gifting strategies, and project estate values. Factor in residence nil-rate band (RNRB) and transferable allowances.
Costs & Charges Engine
FCA-compliant costs & charges disclosures. Project compound effect of fees on portfolio growth over 1-40 year timeframes.
Asset Allocation Engine
Risk-targeted portfolio construction using modern portfolio theory (MPT). Generate efficient frontier allocations across equities, bonds, cash, and alternatives.
Risk Modeling Engine
ATR (Attitude to Risk) profiling, risk capacity analysis, and Monte Carlo simulations. Model portfolio volatility and downside scenarios.
Portfolio Management
Track portfolio performance, calculate returns (time-weighted, money-weighted), and monitor asset allocation drift against target portfolios.
Investment Projections
Model long-term investment growth scenarios with configurable returns, inflation assumptions, and contribution patterns.
Insurance Needs Analysis
Calculate protection requirements based on income replacement, debt coverage, and dependent care costs.
Financial Health Check
Analyzes fact-find data to identify financial weaknesses and gaps. Provides RAG-scored dashboard of client needs, auto-matches existing holdings against identified issues.
Advice Engine
Automated expert system that answers "what should I do with my money right now?" Generates mathematically optimal portfolio rebalancing recommendations.
Lifetime Optimiser
Calculates mathematically optimal transactions for right now AND every year for the rest of a client's life to meet long-term goals.
Real-World Applications
What You Could Build
From global banks and building societies, through networks and nationwide IFAs, to fintech startups, explore how you could leverage our financial modeling engines.
Customer Conversation Tool
You could integrate our Pension Income Modeling API to create an in-branch conversation tool. Branch staff input customer pension details, and the API instantly calculates sustainable drawdown rates and tax-efficient withdrawal strategies.
Wealth Platform: Automated IHT Planning
You could build a DFM platform for HNW clients using our IHT Planning API to automatically flag estates approaching the nil-rate band.
Advisory Firm: CRM Extension for Reviews
You could build a Salesforce extension using our Portfolio Management and Risk APIs. During annual reviews, advisers click "Run Portfolio Health Check" to calculate drift, performance attribution, and risk alignment.
Fintech Startup: White-Label Drawdown Calculator
You could offer white-label retirement planning tools to regional banks. Rather than building pension math from scratch, license our Pension and Tax APIs to power drawdown calculators.
Bank: Pre-Retirement Income Checker
You could add a "Retirement Readiness" feature to your mobile app using our Pension, Tax, and Asset Allocation APIs.
Network: Centralized Advice Intelligence Platform
You could build a centralized compliance and advice platform using our complete suite of financial modeling APIs. Member firms input client data once, and the platform generates suitability reports, risk assessments, and lifetime optimized plans.
Complete Data Access via API
All client data is accessible via our REST APIs. Full CRUD operations on fact-find data, goals, portfolios, and calculations. OAuth 2.0 authentication, comprehensive documentation, and a sandbox environment for development.
Secure, Scalable and Built for Advisory Firms
Built on technology used by leading global banks, Focus planning tools are secure, robust and designed to scale with your business.
Our tools are intuitive and easy to use, enabling advisers to focus on client relationships without needing to explain the software. By simplifying complex financial planning, we help you deliver clear, confident advice so your clients can make informed decisions.
From enterprise-grade security to developer-friendly APIs, every aspect is designed to help advisory firms deliver consistent, high-quality financial advice at scale.
Platform proof
Getting started
Our planning tools can be used in three different ways. Choose from a fast, 'out-of-the-box' solution; apply your own branding and asset allocations or go all-out and embed the tools in your own web application.
Ready made
Ready to go, just register and start. Focus branded, standard configuration, Moody's asset allocation. Access via web portal.
Tailored
We configure the APIs / journeys to suit you. Your branding, optional configuration, your asset allocation. Access via web portal.
API integration
We become part of your IT project. Your branding, optional configuration, your asset allocation. Access via your web app.
