Free · No account needed to start
Money: Know where you are. Understand what's next. Move forward with confidence.
This is Jigna Gibb's home for financial education - free resources and tools that share the basic disciplines on money spending, saving and investing. These are life skills that schools fail to teach and often don't get talked about at home. The Gibb Forward CurveTM framework has been developed over 25 years of servicing institutional money, and rooted in growing up knowing every penny counted.
What the content covers
Free tools to get started, and the terms explained in plain English
Budget Check: Measure your income and costs in one place - see how much you could be saving
●Cash, inflation and compounding: how each one changes the value of money over time
When can I retire? How much is enough? - Register your interest
Buy versus Rent: What is my budget to buy a home? - Register your interest
“My 25 year career on the trading floor earned me a living. Over time, I moved on to owning my financial decisions - now my money works as hard as I do!”
Jigna Gibb spent 25 years inside some of the world's largest financial institutions - Goldman Sachs, Barclays, Deutsche Bank, and most recently Bloomberg, where she led the Commodities and Digital Assets Index business, with indices tracked by over $100 billion in assets.
Long before working on the trading floor, she learned the basics of money on the pharmacy shop floor in Manchester - cash flow, discipline, the kind of financial common sense that never made it into a textbook. This site exists to close the gap between those two educations - the institutional and the everyday.
Jigna's approach · Earn. Own. Grow.
Introducing the Gibb Forward CurveTM
The best time to build your next opportunity is while your current one is still working for you - not after you've reached a plateau.
The same principle applies to personal finance. Your Forward Curve is the financial future you're creating today, long before you need to rely on it. Rather than waiting for a career change, retirement, or an unexpected life event, the Gibb Forward CurveTM framework encourages you to build wealth steadily alongside your working life.
Inspired by the ideas explored in Charles Handy's The Second Curve: Thoughts on Reinventing Society (Random House Books, 2015), the Gibb Forward CurveTM 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.
Throughout this site, you'll find easy to understand guides, hypothetical case studies, and free planning tools designed to help you understand your finances with confidence. Whether you're just beginning your wealth-building journey or refining an existing plan, the Gibb Forward CurveTM is designed to help you make informed decisions today that create greater financial freedom tomorrow.
Start with one number: what's actually left over.
Two minutes, no sign-up, no jargon. See the calculation in full - the numbers, not a verdict.
Try the Budget Check →This site provides financial education and free calculation tools only - not regulated financial advice, and not a personal recommendation. Tools show the maths based on the figures you enter; they do not assess your circumstances or recommend any product, provider, or course of action. Figures are illustrative and not guaranteed. Before making significant financial decisions, consider taking advice from a financial adviser authorised by the Financial Conduct Authority. You can check whether a firm or individual is authorised on the FCA Register at register.fca.org.uk, and get free impartial guidance from MoneyHelper at moneyhelper.org.uk.