Free money tools

Know your numbers before you commit

Simple calculators in Pula. No sign-up needed — and if the results worry you, a counsellor is one click away.

Advisor or client? Sign in to the Key Wellness portal

Affordability check

See how much of your salary is already committed before taking on more credit.

Debt-to-income
Left after repayments & expenses

Talk it through with a counsellor

General guidance only, not financial advice. Ranges used: under 30% comfortable, 30–40% stretched, over 40% high.