Who's in the household, who depends on you, and when you want to stop. Everything else builds on these.
Household
Where you live
Scotland sets its own income tax bands on earned income. Funded childcare follows the nation: Scotland's and Wales's schemes are modelled; Northern Ireland's is not, so only Tax-Free Childcare is counted there.
Children
NameAge now
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.
Ages
UK private pension access age is rising to 57 from 2028. That is separate from your target.
Part one: this year
How should you pay yourself?
Take-home this year
–
After income tax, NI and pension contributions.
Effective tax rate–
Marginal rate–
Into pensions–
Into investments–
2026/27 tax year rates. All figures are annual.
What's left after paying staff, rent, supplies.
£
Gross, before income tax and National Insurance.
£
#
#
As a % of salary.
Salary sacrifice: taken before income tax and NI, which makes it the most tax-efficient.
Changing jobs later? Add a "Pension change" milestone.
What you expect to be granted from here on. Shares you already own go under Wealth.
Instrument
At vest
These add together: your future grants vest on their own schedule, and anything already granted lands on top over the years you set.
A promotion or a new job is a Pay change milestone instead, and going part-time later is a Working days change.
Add every other income source. Each one is taxed with the rest of your income.
Your salaried job goes here, as an
Employment (PAYE) row. It's taxed as a separate employment with its own
National Insurance, on top of what you take from the company.
9% of income over the plan's threshold, and 6% over £21,000 for a postgraduate
loan, until it is repaid or written off. Leave the balance at 0 if you are not sure: repayments then
run until the write-off date, which is what happens to most Plan 2 and Plan 5 loans. Leave the year blank
and the write-off is counted from this April.
Paid by the company, into your pension, no income tax or NI. £0
×
Recommended extraction
CALCULATING
Salary–
Dividend–
Employee NI–
Tax + dividend tax–
Corporation tax–
Student loan–
Company take-home–
Take-home this year
Salary + bonus + other–
Pension (yours + bonus slice)–
Income tax + bands–
Employee NI + bands–
Student loan–
Take-home this year–
Equity vesting this year–
Tax + NI on the vest–
Equity, after tax–
Employer adds to your pot–
Why this number
Take-home across every possible salary level
–
Part two: your plans
The timeline
The big things you know are coming: a house, a car, school fees, a pay rise, a pension change. Put them on the timeline and the projection accounts for every one.
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.
Rises as income grows; drops when a milestone kicks in.
What it costs to run your life
Household, one pot
Today
Lasts
£
yrs
£
yrs
£
yrs
£
yrs
£
yrs
£
yrs
£
yrs
Add a column at age
Spending grows with inflation. A house milestone marked "replaces my rent" drops the rent bucket from that year.
What things will cost
Every cost above grows at this rate.
The personal allowance, the tax bands and the
National Insurance limits are held in cash until April 2031 and rise with prices after
that, by law. A frozen threshold is a tax rise that needs no announcement: pay that only
keeps up with prices is taxed more each year. Frozen throughout is a stress case, not a
forecast.
02
Now build your timeline
The budget above is today. This is everything that changes it.
Today age 35
Retirement age 60
Nothing planned yet. Add a milestone below and it'll appear here, or open a worked example to see one filled in.
Drag a milestone along the line to move it, or focus one and use the arrow keys.
Property & big buys
Family
Money in and out
Work & pension
–Net worth
–Assets
–Debts
Part three: long term
Where that takes you
Rough estimates are fine. You can change everything.
Everything you own and owe, today.
Assets held in your name
Shared
£
% / yr
£
Debts
£
%
yrs
£
Net worth today–
The assumptions that drive the projection.
Asset allocation–how it is invested
What you hold today. To change the mix over time, use the steps below rather than typing a target here.
% of potreturn % / year
Growth assetsThese are what a crash hits, and what the glidepath sells down.
Equities
Property funds / REITs
Private markets PE / infra / VC
Commodities gold etc
Defensive assetsThese hold their value when growth assets fall. That's the whole job.
Bonds
Cash incl. your savings balance
Anything elseWhatever the six above don't cover. Name it and say which way it behaves.
Total 100%–
The growth-asset share you want at each age. It moves in a straight line between steps and holds after the last one.
At agegrowth assets
Market assumptions–returns, spread, inflation
Follows your allocation blend automatically. Drag to override.
The shaded band on the curve.
Cash buffer & wrappers–what stays liquid
Filled before anything is invested.
£
Balances are as at–the date your figures come from
Set an amount and this works out what the sale would cost
and where it would leave you. It does not suggest selling, or how much: the
holding, the amount, the number of tax years and the destination are all
yours to set, and the panel is blank until you set them.
Pick a year and an amount. This shows what you'd be holding then, where the money could come from, and what each route costs by the end of the plan.
Take it from
Tax now
You net
Cost by the end
Age
Sold
Gain
Taxed on
Tax
Part four: after you stop
Life after work
What retirement costs, what the state contributes, and whether the money lasts.
Your ages, retirement target and plan-to age are all set under About you.
Spending it down is a separate question, so it's a separate choice.
Turn this on or off under About you. It decides whether the projection keeps running past the day you stop.
What retirement costs. Drawdown starts the year you stop.
%
%
Leave at 0 for flat spending, or try 1%.
£
The full rate for 2026/27 is £241.30 a week, before your own record is applied.
Enter the years on your record today; check them on gov.uk. The plan adds a year for each year you earn at least £6,708 (the Lower Earnings Limit), or are registered for Child Benefit for a child under 12, before State Pension age.
Reruns the plan with a crash right after you stop. Only growth assets take the hit, so a de-risked mix falls less.
Growth assets return% a year for the firstyears after I stop.
Life after work
–
What passes on
–
Part four: where it lands
Your projection
Side by side
Two plans, compared
What your numbers imply
Hide these
Nothing stands out yet. Add more of
your position and anything worth knowing will appear here.
Observations, not recommendations. What to do depends on things
this tool doesn't know.
Running onClick any of these to change it where it lives.
Cashflow: what actually reaches your investments
Net money into investments each year, after every commitment on your timeline.
Projected wealth at
ISAtax-free–
Cash & savings–
TaxableGIA or other–
of which gain, if you sold–
tax on that sale–
Investable pot, combined–
Company stockheld–
of which gain, if you sold–
tax on that sale–
Pension pots–
Propertynet of debt–
Net worth, nominal–
Net worthtoday's money–
If markets disappoint–
If they deliver–
Wealth over time
Net worth from today to retirement
Your optimised splitPension (locked to 57)MilestoneRetired: drawing, not earningMoney runs out
What the extraction decisions are worth
Ranked by what each is worth to you this year.
The routes under £100,000
Over £100,000 you lose the personal allowance and childcare support.
Here is what each way back under costs.
The same plan, with the returns varying
The same plan run a thousand times, with only the returns varying.
The middle half of outcomesEight in tenMedian
Where the growth comes from
What you already have vs what you'll add, both compounding
Back book: today's assets, growing New savings & pension, growing
What built your wealth
From today to retirement, 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
Opening + change = closing, every year.
Reference
Where you sit in the tax system
Your position this year, and the rules behind it.
Show where you sit, and the rules behind itHide this
Reference
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 What your numbers imply above. Worth checking with an accountant before acting on any of it.
Part one: the short version
Quick Estimate
A real projection from broad categories, not a teaser. Switch to
Detailed Plan for asset-by-asset modelling, tax wrappers and equity.
You
Only used to skip sections that can't apply to you later.
Before tax. Used for take-home, not for the projection.
£
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.
£
£
£
Today
–
At 60
–
Pension ISA, savings & investments
Where the money goes
Where you are now
Take-home–
Spending–
Saving–
What you own today
Pensions–
ISA & savings–
Property–
Mortgage–
Net worth–
At 60
–
What you have todayWhat you addGrowth on both
Get told when the Budget changes your numbers.
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