Financial Health Score
Enter client data to generate a scored assessment across 6 dimensions
📊 Instant calculation
Client Data Input
Overall Score
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Goal Progress Tracker
Track client progress toward each financial goal in real time
🎯 Visual progress
Add / Update Goal
Add your first goal to get started
Monthly Net Worth Tracker
Track assets, liabilities and net worth trend over time
📈 Month-by-month
Add Monthly Snapshot
Net Worth Trend
MRA Tax Calculator
Mauritius Income Tax — MRA 2025-26 rates with mortgage deduction
🇲🇺 MRA 2025-26 compliant
Income Inputs
Total Tax Liability
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Effective rate: —
Monthly Breakdown
SEM Portfolio Analyser
Analyse a client's Stock Exchange of Mauritius portfolio — concentration, yield, returns
📊 SEM analysis
Add Holding
AI Client Report Generator
Generate a full personalised financial planning report using Claude AI
🤖 Powered by Claude
Client Profile Summary
Meeting Preparation Brief
Generate a structured pre-meeting brief for any client using Claude AI
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Meeting Context
AI Financial Advisor Chatbot
Claude-powered advisor for client Q&A — personalised to B3 Wealth's philosophy
🤖 Live Claude AI
Client Context (optional — improves answers)
B3 Wealth · Adviser AI · Mauritius financial planning specialist
Hello! I'm the B3 Wealth internal adviser AI. I can help with questions about SEM investing, MRA tax planning, financial planning strategy, debt management, and Mauritius-specific planning. This tool is for adviser use only.
Projection & Monte Carlo
10-year wealth projection · Inflation-adjusted (Mauritius CPI) · 1,000 simulation Monte Carlo probability range
📊 CFA-grade analysis
Projection Inputs
Nominal vs Real Wealth (Inflation-Adjusted)
Monte Carlo — 1,000 Simulations · Probability Range
Base Case
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Optimistic (+30% return, +25% savings)
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Stress (−40% return, −20% savings)
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Monte Carlo Summary
Business Owner Financial Plan
SME planning · Tax optimisation · Cash flow · Exit & succession · AI commentary per module
4 Modules
Business Profile
AI Commentary — Financial Health
Pension Planner
Phase 3 · NPF projection · Retirement income gap · Personal pension top-up required · Mauritius state pension
Phase 3 — New
Personal Details
NPF / Pension Details
Insurance products to close the pension gap — Mauritius market
Products available in Mauritius that can supplement the NPF pension and close the retirement income gap. Select those appropriate for this client's risk profile and budget.
| Product | Provider | How it works | MRA deductible? | Suitable for | Select |
|---|---|---|---|---|---|
| Voluntary NPF top-up contribution | National Pensions Fund (Government) | Pay additional voluntary contributions above the mandatory rate. Builds NPF balance faster. Very low risk — government guaranteed. | Yes — up to Rs 50,000/yr | All employment types | |
| Endowment / savings plan | Swan Life · Mauritius Union Assurance | Regular premium payments over 15–25 years. Builds a lump sum at maturity with life cover built in. Guaranteed return element plus bonus (SWAN). Capital guaranteed on most products. | Partial (life cover element) | Conservative to Moderate-Growth | |
| Unit-linked life insurance (ULIP) | Swan Life · SICOM · MUA | Premiums invested in underlying funds (equities, bonds). Higher growth potential than endowment. Life cover included. Value fluctuates with markets. 10–25 year term. | Life cover element only | Moderate-Growth to Growth | |
| Private pension scheme | SICOM · Swan Life · AfrAsia | FSC-registered private occupational pension. Regular contributions build a retirement pot invested in multi-asset funds. Employer contributions possible. Locked until retirement age. | Yes — employer contrib fully deductible | SME owners · Salaried employees | |
| Annuity product | SICOM · Swan Life | Purchase an annuity at retirement with accumulated pension pot. Converts a lump sum into a guaranteed monthly income for life. Removes longevity risk. Fixed or inflation-linked options. | No (purchased at retirement) | At retirement · Conservative | |
| MCB / SBM fixed income products | MCB · SBM · AfrAsia | Fixed deposits (3–5 year terms), MCB Flexi-Saver, SBM Super Saver. Not pension products per se, but can form part of the retirement income strategy. Laddering provides regular income. | No | Conservative · Near-retirement | |
| SEM equity DCA via MCB Securities | MCB Securities · SBM Securities | Dollar-cost averaging into SEM dividend stocks (MCB, SBM, CIEL) builds a local equity income stream. Capital gains tax-free in Mauritius. Dividends also tax-free from listed companies. | No | Moderate-Growth · Growth |
Select products above to see the recommended strategy for this client.
Education Funding Planner
Phase 3 · Per-child modelling · Local vs overseas · Inflation-adjusted costs · Monthly saving required
Phase 3 — New
Add Child
FX & Assumptions
Add a child above to begin education planning
Critical Illness & Income Protection
Phase 3 · Income replacement gap · CI cover requirement · Swan · Mauritius Union benchmarks
Phase 3 — New
Client Profile
Existing Cover
Estate Planning
Phase 3 · Mauritius Civil Code · French law forced heirship · Will · Beneficiary review · Succession
Phase 3 — New
Mauritius legal framework — Civil Code (French law tradition)
Forced heirship — réserve héréditaire
Mauritius succession law is governed by the Code Civil Mauricien, derived from the French Code Civil. Every estate is split into two parts:Reserved portion — automatically goes to forced heirs (children). Cannot be overridden by will.
Free portion (quotité disponible) — the testator may direct this freely.
| Children | Reserved | Free |
| 1 child | 50% | 50% |
| 2 children | 66.7% | 33.3% |
| 3+ children | 75% | 25% |
Matrimonial regimes
Community of property (communauté réduite aux acquêts)
Assets acquired during marriage are owned 50/50. Only the deceased's 50% share enters the estate. Default regime if no marriage contract signed.
Assets acquired during marriage are owned 50/50. Only the deceased's 50% share enters the estate. Default regime if no marriage contract signed.
Separation of property (séparation de biens)
Each spouse owns their assets independently. The full estate of the deceased passes under succession rules. Requires a notarised marriage contract.
Each spouse owns their assets independently. The full estate of the deceased passes under succession rules. Requires a notarised marriage contract.
Key planning insight: Life insurance proceeds pass outside the estate to named beneficiaries — they are NOT subject to forced heirship. This is the most powerful estate planning tool available in Mauritius.
Will validity requirements: A holographic will (testament olographe) must be entirely handwritten by the testator, dated, and signed. Typed wills are invalid unless notarised. A notarial will (acte authentique) before a notaire is the most robust form and should be recommended for all clients with significant assets. Refer to a notaire in Port Louis — not a lawyer. Wills are registered at the Notarial Chamber.
Estate Profile
Beneficiary Designations
Wedding Budget Planner
Full wedding cost modelling · Savings plan · Funding strategy · Claude AI adviser commentary
AI Commentary
Wedding Profile
Other Costs
Additional Cost Items
Funding
Fill in the wedding profile to see the cost analysis
AI Adviser Commentary
Generates a 3-5 paragraph adviser note on the wedding funding plan — for your review before any client use.
Property Purchase Planner
Affordability · Stamp duty · Notary fees · Mortgage analysis · MRA interest deduction · AI commentary
AI Commentary
Property Details
Mortgage Terms
DSR Affordability Ceiling (optional)
The 35% guideline is a benchmark only. If the client is willing to stretch, enter the maximum monthly payment they can genuinely afford — the calculator will show what loan amount that unlocks.
Fill in property details to see the analysis
AI Adviser Commentary
Generates a 3-5 paragraph adviser note on property affordability and mortgage strategy — for your review before any client use.
Loan Amortisation Calculator
Full amortisation schedule · Extra repayment impact · Total interest cost · Overpayment strategy · AI commentary
AI Commentary
Loan Details
Overpayment Strategy
Extra repayments go directly to principal, reducing interest and shortening the term. Even Rs 2,000–5,000/month extra can save hundreds of thousands over the life of the loan.
🚗 Car Loan Sub-Analysis
Applies when loan type is a car loan. Models balloon payment, depreciation, insurance, and true total cost of ownership.
Fill in loan details to see the amortisation analysis
AI Adviser Commentary
Generates a 3-5 paragraph adviser note on the loan structure and repayment strategy — for your review before any client use.