About you
About you
Who's in the household, who depends on you, and when you want to stop. Everything else builds on these.
Sets the income tax bands and the funded childcare that apply to you.
UK private pension access age is rising to 57 from 2028. That is separate from your target.
Listing a child here settles Child Benefit and the childcare thresholds. To add what they cost, put a New child milestone on the timeline and point it at them, or leave it unlinked for a child who hasn't arrived yet.
What the provider charges. The funded hours are worth whatever they would have billed for them, and that is local rather than national. So it sets how much the £100,000 threshold costs to cross.
How should you pay yourself?
Why this number
Your ages and retirement target live under About you. They set the span of this timeline.
How much of that you save
A flat share of take-home, or a real budget line by line.
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What things will cost
Every cost above grows at this rate.
Now build your timeline
A house, a car, school fees, a pay rise. The budget above is today; this is everything that changes it.
Drag a milestone along the line to move it, or focus one and use the arrow keys.
What you own, and how it grows
Asset allocation – How it is invested
Market assumptions – Returns, spread, inflation
Cash buffer & wrappers – What stays liquid
Balances are as at – The date your figures come from
| Take it from | Tax now | You net | Cost by the end |
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| Age | Sold | Gain | Taxed on | Tax |
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Life after work
What retirement costs, what the state contributes, and whether the money lasts.
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Your projection
Two plans, compared
Wealth over time
What the extraction decisions are worth
The routes under £100,000
The same plan, with the returns varying
Where the growth comes from
What built your wealth
From today to the end of the plan, every pound accounted for.
Pots over time
Year by year
Click any year to see exactly how that number was built.
| Age | Opening | Change | Closing |
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Opening + change = closing, every year.
Where you sit in the tax system
Your position this year, and the rules behind it.
What your numbers imply
What stands out in your plan, and what each change would do to it.
Hide these
Nothing stands out yet. Add more of your position and anything worth knowing will appear here.
Observations, not recommendations. Running one shows what it changes in this plan; whether to make the change depends on things this tool doesn't know.
Show where you sit, and the rules behind itHide this
How the rules work
The mechanics of the UK system, the same for anyone. This is not advice. Anything that depends on your own figures is in the insights above. Worth checking with an accountant before acting on any of it.
The short version
Quick estimate
A real projection from broad categories, not a teaser. Switch to Detailed for asset-by-asset modelling, tax wrappers and equity.
You
Only used to skip sections that can't apply to you later.
What you already have
Rough totals are fine. This is what the projection compounds.
What it's invested in
What you're putting away, every month
Actual amounts, not percentages, so the numbers below can be shown to add up.
Where the money goes
Get told when the Budget changes your numbers.
Dividend tax, National Insurance and pension rules change most years. Leave your email and I'll send one short note after each Budget or new tax year saying what changed and whether it moves your salary vs dividend split. Nothing else.
One note per Budget or tax year. Unsubscribe by replying. What's collected.
Stored so I can understand who is interested. It changes nothing about what you are sent, and it is never passed on.