One clear picture of your finances, and the confidence to act on it — see when work becomes optional, what your pension choices mean, and how to fund the next chapter on your terms.
This is future you's dashboard. Numbers are for illustration — personalise everything once you open the planner.
When can you actually afford to retire? Find out in plain English.
See your real numbers in plain English. Try a change. See the impact. The simple decisions — pension percentage, when to retire, how to draw down — become obvious.
When you do talk to a professional, walk in prepared. Specific questions, your own scenarios, an understanding of the trade-offs. They'll spend their hour on advice, not on getting up to speed.
Set your goals, build scenarios, see projections decades out, and plan your inheritance — each backed by its own screen. Here's a glimpse of each.
Numbers are for illustration only — you will be able to personalise everything when you open the planner.
See your take-home and pension recalculated for every stage of life — full-time, part-time, retired — before you commit to any of it.
Watch your pension, ISA and cash combine into one pot across your whole life — see the earliest age it can support you, and whether it outlasts you.
See exactly where you sit on the tax curve — including the 60% trap between £100k and £125k — and the precise pension % that gets you out of it.
Headline answer: how much of your estate would go to the tax office at second death and how much reaches your heirs — £325k allowance per person, £175k home bonus for direct descendants, the 40% bite shown plainly.
All your key numbers on one page — take-home, tax, pension going in, savings pot, retirement countdown.
Change your pension contribution and instantly see how your monthly take-home changes — nothing saves until you choose.
Review different drawdown strategies and see your future pension income during retirement. Importantly, see how long your money comfortably lasts.
Add a wedding, a car, or a child's university years — with real UK student finance rules built in — and see exactly how many years it costs your retirement date, if any.
Everything below is built into the planner. None of it is mandatory — defaults are sensible. Open whichever bits matter to you.
The UK tax office's exact cumulative-monthly calculation. Handles your tax code, salary sacrifice, payrolled company benefits, and irregular bonuses.
Choose the order you draw from cash, ISA, and pension. Each strategy is a slider — see which one keeps the pot alive longest.
Most retirees spend more in their 60s and less in their 80s. The planner builds in early/mid/late spending so your plan reflects reality.
Pick two or three plans. See lifetime tax, pot longevity, and inheritance side by side on the same chart.
See what buying a guaranteed income for life would pay, compared with staying invested and drawing down — same pot, same age, side by side.
Retire two years earlier, raise your pension %, and buy an annuity — stage all three together and preview the combined effect on one chart before you save anything.
No accounts. No upload. Nothing sent over the internet. Your salary, your pension, your house value — all of it stays in a private folder on your own computer, and only you can open it.
Short, practical guides — each built around one feature in the planner, and how to use it well before you talk to a professional.
Turn your saved plan into meeting-ready notes with the Adviser pack — and see why real financial advice still matters alongside a planning tool.
Read the guide → Guide 02 · Estate & inheritance taxSee what your estate might owe, the six levers that change the bill — gifting, the home allowance, charity, and more — and the questions worth taking to an adviser.
Read the guide → Guide 03 · FIRE calculatorUse your real financial position to test financial independence, early retirement, and the trade-offs worth discussing with a professional adviser.
Read the guide → Guide 04 · AnnuitiesSee how annuities compare with staying invested, what certainty can cost, and the adviser questions to ask before buying guaranteed income.
Read the guide → Guide 05 · My ProjectionUse My Projection to test spending, savings pots, State Pension timing, and the weak years worth discussing with an adviser.
Read the guide →Everything you might want to know before you open the planner.
Open the planner. Drop in your salary and pension. Watch the next 50 years light up.
Got an idea for a feature or just want to say hello — get in touch.
Email hello@living-the-dream.ukThis tool models your financial situation based on the numbers you enter and current UK tax rules. It is not regulated financial advice and must not be treated as a substitute for advice from a qualified financial adviser authorised by the Financial Conduct Authority.
It does not know your full circumstances, cannot account for every individual situation, and does not consider all the factors a regulated adviser would. All projections are model outputs based on your inputs and stated assumptions — they are not forecasts, and actual outcomes will differ. Tax rules change; figures shown here reflect 2026–27 rules unless stated.
Always take independent financial advice before making significant financial decisions, including changes to pension contributions, retirement timing, or estate planning arrangements.
