Financial Planning API and Calculator / Modelling Engine APIs
Ship features in weeks, not months and deliver your experience.
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.
Learn how Advice Engine delivers 60-90% time savings →
Request API Accessto under 1.
- Portfolio analysis & restructuring
- Tax-efficient fund allocation
- Advice policy application
- Transaction generation
- Suitability report creation
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
We've invested millions in API-first cloud technology to provide the foundation for transforming advice delivery. The same APIs powering our Advice Management system are now available to power your platform.
Apply for a trial API license and start building in
Apply for API Trial Book ConsultationFinancial 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. FCA-compliant financial planning APIs for UK advisory firms.
Pension Income Modeling
Calculate sustainable withdrawal rates, model drawdown scenarios, and project retirement income across multiple pension pots (SIPP, workplace, state pension).
- Drawdown projections
- LTA calculations
- Annuity comparisons
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.
- Income tax projections
- CGT calculations
- ISA allowance tracking
Inheritance Tax Planning
Calculate IHT liability, model gifting strategies, and project estate values. Factor in residence nil-rate band (RNRB) and transferable allowances.
- Estate valuations
- Gifting scenarios
- RNRB optimization
Costs & Charges Engine
FCA-compliant costs & charges disclosures. Project compound effect of fees on portfolio growth over 1-40 year timeframes.
- MiFID II disclosures
- Fee impact analysis
- Multi-year projections
Asset Allocation Engine
Risk-targeted portfolio construction using modern portfolio theory (MPT). Generate efficient frontier allocations across equities, bonds, cash, and alternatives.
- MPT optimization
- Efficient frontier
- Rebalancing alerts
Risk Modeling Engine
ATR (Attitude to Risk) profiling, risk capacity analysis, and Monte Carlo simulations. Model portfolio volatility and downside scenarios.
- ATR questionnaires
- Monte Carlo sims
- Volatility analysis
Portfolio Management
Track portfolio performance, calculate returns (time-weighted, money-weighted), and monitor asset allocation drift against target portfolios.
- Performance tracking
- TWR/MWR calculations
- Drift monitoring
Investment Projections
Model long-term investment growth scenarios with configurable returns, inflation assumptions, and contribution patterns. Project wealth accumulation across multiple time horizons.
- Growth modeling
- Inflation adjustment
- Scenario analysis
Insurance Needs Analysis
Calculate protection requirements based on income replacement, debt coverage, and dependent care costs. Model life, critical illness, and income protection needs.
- Life cover calculations
- Income replacement
- Coverage gap analysis
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, and recalculates in real-time as more client data is entered.
- RAG-scored dashboard
- Auto-match holdings
- Real-time recalculation
Advice Engine
Automated expert system that answers "what should I do with my money right now?" Generates mathematically optimal portfolio rebalancing recommendations based on current circumstances, risk alignment, fund quality, and costs.
- Point-in-time recommendations
- Tax-aware portfolio rebalancing
- Instant scenario iteration
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. Whole-of-life planning that sequences actions across decades, updated dynamically as circumstances change.
- Lifetime transaction sequencing
- Goal-oriented optimization
- Dynamic plan recalculation
Complete Data Access via API
All client data is accessible via our REST APIs - we use these same APIs to power our Advice Management system. Full CRUD operations on fact-find data, goals, portfolios, and calculation results. Build companion systems, CRM extensions, or entirely bespoke platforms.
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. Your branch staff would input customer pension details, and the API would instantly calculate sustainable drawdown rates and tax-efficient withdrawal strategies.
Potential results: More engaging customer conversations, reduced appointment times while delivering more detailed projections.
Engines: Pension, Tax, Costs & Charges
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. Your system would model gifting strategies and generate 7-year tracking schedules for potentially exempt transfers (PETs).
Potential impact: Your advisers could proactively address IHT concerns before they become urgent, improving client retention and uncovering new assets under management.
Engines: IHT, Portfolio Management
Advisory Firm: CRM Extension for Reviews
You could build a Salesforce extension using our Portfolio Management and Risk APIs. During annual reviews, your advisers would click "Run Portfolio Health Check" in Salesforce, which would call our APIs to calculate drift, performance attribution, and risk alignment.
Potential impact: Dramatically reduce review prep time. Your clients would receive consistent, data-driven reports without advisers switching between multiple platforms.
Engines: Portfolio, Risk, Asset Allocation
Fintech Startup: White-Label Drawdown Calculator
You could offer white-label retirement planning tools to regional banks. Rather than building pension math from scratch, you could license our Pension and Tax APIs to power drawdown calculators embedded in online banking portals.
Potential impact: Launch your MVP months faster with FCA-compliant calculations out-of-the-box. Scale to serve multiple institutions across the UK.
Engines: Pension, Tax
Bank: Pre-Retirement Income Checker
You could add a "Retirement Readiness" feature to your mobile app using our Pension, Tax, and Asset Allocation APIs. Your customers would securely link pension accounts (via Open Banking), and the app would project retirement income including state pension forecasts.
Potential impact: Drive customer engagement and book more appointments with your financial planning team, generating significant new AUM.
Engines: Pension, Tax, Asset Allocation
Network: Centralized Advice Intelligence Platform
You could build a centralized compliance and advice platform using our complete suite of financial modeling APIs. Your member firms would input client data once, and the platform would generate suitability reports, risk assessments, FCA-compliant costs & charges disclosures, and lifetime optimized plans.
Potential impact: Standardize hundreds of member firms on one platform. Dramatically reduce compliance costs and file review times.
Engines: Full API Suite
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.
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 (coming soon)
Tailored
We configure the APIs / journeys to suit you- Your branding
- Optional configuration
- Your asset allocation
- Access via web portal (coming soon)
API integration
We become part of your IT project- Your branding
- Optional configuration
- Your asset allocation
- Access via your web app
Questions about API integration?
Our team can help you choose the right engines and integration approach for your platform.
Contact API Team