Gibb Finance is Jigna Gibb's free financial education hub. It brings together easy to understand explanations, hypothetical case studies, and two free calculation tools, all built around the Gibb Forward Curve^TM approach - a framework for taking control of your financial future with confidence through earning, owning, and growing wealth.

Yes. Every tool, guide, and article on this site is free, with no account or sign-up required to use the Budget Check and Interest Compounding calculators. The only optional sign-up is for the free guide and occasional newsletter.

Anyone who wants a clearer picture of their money - whether you're just starting to think about how to manage spending, saving and investing, or you already have a plan and want to sharpen it. It's designed for working professionals aiming to take control of their hard-earned money to progress towards their financial objectives.

Please do ask general questions - how something works, what a term means, why a number behaves the way it does. Those are welcome, and they often become the next video or article. What Jigna can't do is answer questions about your own circumstances: what you personally should do with your money, which product or provider to choose, or whether a particular decision is right for you. That would be a personal recommendation, and only an FCA-authorised adviser can give one. If your question needs an answer that is specific to you, the FCA Register is the place to start.

Yes. The value of investments can fall as well as rise, and you may get back less than you put in. Past performance is not a guide to future results. Tax treatment depends on your individual circumstances and can change. Nothing on this site suggests that any particular return is likely or achievable.

Everything on this site is free to use, and that is not a trial or an introductory offer. Gibb Finance is funded through content - YouTube, sponsorship of the newsletter, and educational courses - rather than by charging you for the tools. Where a piece of content is sponsored, it will be clearly labelled. We do not take commission from any product or provider, and we do not sell your data.

They are built for UK residents. The Budget Check assumes UK income after tax, and the wider content assumes UK tax rules, pensions and products. If you are taxed elsewhere, the outputs may not be meaningful for you.

It's a web-based calculator (no Excel or plug-ins needed!) that totals your income (after tax) and your costs across categories like housing, food, transport, family, and lifestyle, then shows your net balance and what share of your income your costs take up. The calculations can be done monthly or annually.

It's only as accurate as the numbers you put in. For the most useful result, gather your payslips and bank statements before you start rather than estimating.

No. The calculators show you the maths on the figures you enter - it doesn't assess your circumstances or recommend any product, provider, or course of action. What you do with the numbers is up to you.

No. The calculator runs entirely in your browser. Nothing you type in is transmitted to us, saved, or stored. Closing or refreshing the page clears everything.

Yes, there's a "print or save" option so you can keep a copy for yourself.

Enter a starting amount, a growth rate, and an inflation rate, and it shows how the value of money could build over time - both in nominal terms and in today's money (adjusted for inflation).

Growth rate (%) is your expected annual investment return over the long term. Inflation rate (%) tells you how much more expensive a basket of goods and services is compared to a year ago. Nominal means the face value of money.

The calculator opens with a placeholder figure so that the chart has something to display. It is a starting illustration only: it is not a forecast, not a suggestion, and it is not based on anything about you. Change it to whatever rate you want to model. Your growth rate will depend on your own investments and your attitude to risk. Past growth does not guarantee future outcomes, and in stressed markets growth can be negative.

The calculator opens with a placeholder figure so that the chart has something to display. It is a starting illustration only: it is not a forecast, not a suggestion, and it is not based on anything about you. Change it to whatever rate you want to model. Your inflation rate input will depend on your own circumstances. Past growth does not guarantee future outcomes. The rate of inflation varies country by country and is impacted by many factors such as geopolitics, weather and macroeconomic events.

The Bank of England sets out its inflation rate target on the page below, however this rate is not guaranteed - Inflation and the 2% target | Bank of England.

No. The figures are illustrative examples only. They compound annually with no withdrawals or additional contributions, and they do not account for tax, platform fees, fund charges or adviser costs - all of which reduce real-world returns. Past growth is not a guide to future outcomes, and this is not a forecast for any specific investment.

To illustrate, in your own numbers, how inflation affects the real value of what you'd end up with - a figure that looks large in nominal terms can be worth meaningfully less once inflation is accounted for. As an example, £10 could buy a lot more in the 1980s than what £10 can buy today.

The Gibb Forward Curve^TM provides a practical framework for taking control of your financial future. It is built around three simple principles:

• Earn - maximise your earning potential
• Own - understand how income can be converted into assets, and what that involves. Assets can fall in value as well as rise
• Grow - understand how compounding works over long periods, and what erodes it: inflation, charges, tax and periods of negative return

It draws on an idea set out by Charles Handy in his book The Second Curve: Thoughts on Reinventing Society (Random House Books, 2015): the best time to build your next opportunity is while your current one is still working, not after it has plateaued. The Gibb Forward Curve^TM applies that thinking to personal finance, building steadily alongside your working life rather than waiting for a career change or retirement to start.

No. It's an educational framework for thinking about your finances, not a product, strategy, or regulated service.

Jigna spent 25 years in institutional finance, including roles at Goldman Sachs, Barclays, Deutsche Bank, and most recently Bloomberg, where she was responsible for the Commodities and Digital Assets Index business, with indices tracked by over $100 billion in assets. She holds an MA in Mathematics from Oxford.

Before her trading floor career, she learned the basics of money on the pharmacy shop floor in Manchester. Gibb Finance exists to bridge that everyday financial common sense with what she learned inside major financial institutions.

No. Jigna Gibb is not an FCA-authorised adviser and this site does not offer regulated advice. It's education and tools only.

Gibb Financial Education Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and does not carry out any regulated activity. Nothing on this site is a personal recommendation or advice on the merits of any investment, and nothing here takes account of your own circumstances, objectives or attitude to risk. Because we are not regulated, the Financial Ombudsman Service is not available to you in relation to anything on this site, and the Financial Services Compensation Scheme does not apply. Before making significant financial decisions, consider speaking to a financial adviser authorised by the FCA - you can check the FCA Register, or get free, impartial guidance from MoneyHelper.

Gibb Finance is a trading name of Gibb Financial Education Ltd, a company registered in England and Wales, company number 17381686, registered office: The Packhouse, Broadwater Farm, Broadwater Road, West Malling, Kent, ME19 6HT. You can reach us at hello@gibbfinance.com.

A free guide, How to Get Started, covering the first steps of the Gibb Forward Curve approach, plus Jigna's occasional newsletter on financial education and new tools.

No. It's free, and signing up doesn't constitute financial advice or any kind of commitment beyond receiving the emails.

It's collected and stored via our email provider, Kit, and used only to send the guide and, if you've opted in, the newsletter. We don't sell or share your details, other than with Kit as our data processor.

Yes, at any time - every email includes an unsubscribe link, or you can email us directly. See our Privacy Policy for full details.

We keep cookies and local storage to a minimum. Security cookies (set by Cloudflare, our hosting security provider) are set for every visitor. Beyond that, anything our email provider, Kit, sets only loads once you tick the consent checkbox on the newsletter sign-up form - not simply by viewing or filling it in. Nothing from Kit is set before that tick. Full details, including exactly what each item is and why, are in our Privacy Policy.

No - nothing entered into the Budget Check or Interest Compounding Calculator is transmitted, saved, or stored by us. It exists only in your browser while you're using it, and in the printed format if you select that.

Under UK GDPR, you have the right to access, correct, or delete your data. You can contact us directly, or complain to the Information Commissioner's Office (ICO) if you believe your data has been mishandled.

No. Gibb Financial Education Ltd is not authorised or regulated by the Financial Conduct Authority (FCA) and does not carry out any regulated activity. Nothing on this site is a personal recommendation or advice on the merits of any investment, and nothing here takes account of your own circumstances, objectives or attitude to risk. Because we are not regulated, the Financial Ombudsman Service is not available to you in relation to anything on this site, and the Financial Services Compensation Scheme does not apply. Before making significant financial decisions, consider speaking to a financial adviser authorised by the FCA - you can check the FCA Register, or get free, impartial guidance from MoneyHelper.

You can search the FCA Register to check whether a firm or individual is authorised, or get free, impartial guidance from MoneyHelper.