See your take-home pay, pension choices, inheritance tax position, when you can retire — and how long your money lasts.
Numbers are for illustration only — you will be able to personalise everything when 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.
Your income, tax and pension clearly shown, with configurable working patterns and voluntary pension.
Review different financial projections using configurable future phases. Your assets, in a clear view that updates as life changes.
Review tax thresholds and salary sacrifice options to maximise your financial goals.
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 each income source with its own flags — taxable, subject to national insurance, pensionable, scales with days worked.
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.
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.
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.
This 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.