Tools to see your own numbers
Each tool answers one question: it shows you the numbers, explains the result simply and suggests a next step. All of them are free and work without signing up.
The subject in a minute
Start with the big picture
If you are not sure where to begin, these show where you stand today and what comes first.
First view
AVRASTRO Life Check
Six simple questions to see where your family’s protection may have a gap.
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Priorities
AVRASTRO Life Map
A quick map of your needs that shows which areas of protection come first.
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Score
Financial protection compass
One score covering your emergency fund, life and medical cover, income protection, debts and saving.
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Check-up
Insurance check-up
A quick check of whether your cover matches your life today: family, loans, work and goals.
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Family and home
For the people who rely on your income, and for the loan on your home.
Family
Family protection roadmap
Combines income, costs, children, loans and life cover into steps in order of priority.
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Life cover
Life cover quick guide
A first estimate of the life cover your family may need, based on living costs, years of support and loans.
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Mortgage
Mortgage protection check
Shows whether your life cover and savings are enough to protect your loan and family, today and in the years ahead.
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Health, income and the unexpected
What happens if you fall ill, cannot work for a while, or face a large unexpected cost.
Health
Medical readiness check
A simple check of how ready your family is for serious medical costs beyond GESY.
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Income
Income gap calculator
Shows the likely gap if your income drops for a while because of illness or disability.
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Self-employed
Income protection for the self-employed
Estimates the gap if, as a self-employed person, you cannot work for a few months.
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For employers
Group plan overview for employers
What a group health, life or provident fund plan includes and what drives its cost, with no prices.
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Savings cushion
Emergency fund
Shows how big a cushion you need so that a surprise does not turn into financial pressure or debt.
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Everyday money and tax
The starting point for every other plan: what comes in, what goes out and what is left.
Spending
Monthly budget
See what goes out each month, what is left, and whether there is room for savings, insurance and goals.
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Tax
Income tax estimator (Cyprus)
A first view of income tax, social insurance and GESY for 2026, so you can see roughly what is left net.
Fills in from your payslip (PDF)
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Children and retirement
Goals years away, where every year you gain makes the monthly amount smaller.
Education
Education savings goal
Works out how much to save each month for a specific education goal.
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Child
Child future planner
Looks beyond studies: a first capital sum, a first car or future support.
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Retirement
Retirement savings goal
Turns “I want something for retirement” into a specific amount and a monthly plan.
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Saving and investing: the basics
Before any conversation about investing: which risk profile fits you and what a monthly amount could become over the years. Educational tools, with no product recommendations.
Risk profile
Which risk profile fits me?
Nine questions show whether you lean conservative or dynamic, what that means and what to ask an advisor.
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Saving
What could €X a month become?
A monthly amount under three illustrative assumptions, with costs and a bad year, on one chart.
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Gift
A gift for a child’s future
For parents, godparents and grandparents: what a small gift every month could become by 18, 21 or 25.
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The policies you already hold
Cover that fitted years ago may not fit today, and a claim is easier when you are prepared.
Policies
Review of the policies you hold
Shows whether your policies need reviewing after changes in family, income, loans or goals.
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Claims
Claim readiness checklist
A checklist so that, in a difficult moment, no time is lost on paperwork and uncertainty.
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Beneficiaries
Beneficiary check
Seven questions on named beneficiaries, minors, divorce, a partner and loans, with a list to print.
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Surrender
What does it cost me to stop now?
Before you stop a policy: the surrender value against the premiums you paid, and the alternatives.
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Home, car and business
Information tools on general insurance: what to check, what is compulsory and what is up to you. They give no prices and no recommendations.
Home
Home under-insurance check
Compares the building’s sum insured with an indicative rebuilding cost and shows what proportional settlement means.
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Car
Car: third party or comprehensive?
When comprehensive cover is usually considered and when third party may be enough, with no prices.
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Business
Employer obligations check
What is compulsory for an employer in Cyprus and which other covers a business often needs.
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For general insurance, speak to an insurance intermediary registered for general business or to your insurer. See also the general insurance guide.
Save your results and find them again
The tools work without an account. If you create a free citizen account, every tool has a “Save” button. The result goes into My reports, together with the figures you entered.
- “Open” recalculates a report with the current rules.
- “Share” sends it to an advisor you choose, for as long as you decide.
- “Delete” removes it for good.
Tool results are estimates, based on the figures you enter and simple assumptions explained in each tool. They are information, not advice. Before you decide anything, talk them through with an advisor.
