• Clearly see the earliest age at which you can afford to retire, based on the income you've set in the Desired Retirement Income section.


• Instantly understand how increasing your monthly contributions can reduce your retirement age by months or even years.

• Increase your planned pension contributions or ISA deposits and immediately see the impact on your affordable retirement age.


• Seeing the impact of increased contributions in terms of additional months or years of enjoying your retirement can be a powerful motivator to save more.

• See your affordable retirement age for each of the three recognised living standards: Minimum, Moderate, and Comfortable.


• These standards are based on reliable, independent research from PensionsUK and are detailed on the official Retirement Living Standards website.

• Retirement Income: View exact gross and net income from each source.


• Pension Fund and ISA Cashflow: Review opening and closing balances each year and clearly see all cash movements in and out.

• Quickly find clear and concise answers to the most common questions on retirement planning, grouped intuitively by category.


• Perfect for beginners and helpful even if you're not sure what questions you should ask.


• An ideal resource to build your knowledge and confidence around pensions and retirement.

• Tax Calculator: Clearly understand your tax and National Insurance contributions. View detailed breakdowns by tax bands, including specific calculations for the Scottish tax regime.


• Salary Sacrifice Calculator: Instantly see how different salary sacrifice levels affect your take-home pay and pension contributions.

• See your partner's retirement savings alongside your own, to easily understand your combined retirement income if you retire simultaneously.


• Instantly compare your projected income against the Retirement Living Standards (Minimum, Moderate, Comfortable) for couples, ensuring your planning aligns with real-world benchmarks.


• Identify opportunities to shift contributions between you and your partner, maximising your joint tax efficiency.

• Personalise your retirement budget using the spending categories used in the Retirement Living Standards research.


• Easily select Minimum, Moderate, or Comfortable levels for each category, or fine-tune exact amounts using sliders.


• The Retirement Living Standards are a helpful yardstick for assessing your retirement income needs, but are inherently one-size-fits-all. Being able to adjust each category of spending to your own specific needs provides you with a much more accurate and personalised retirement plan.

• Test the impact of redirecting contributions from your pension into your ISA, giving up the tax relief for greater flexibility and future tax-free withdrawals.


• Instantly see the impact of this on your earliest retirement age. The extent of the effect very much depends on your individual circumstances, along with the economic scenario you are using.


• Understand the value of pension tax relief you are giving up in exchange for greater financial flexibility.

• Quickly see how your affordable retirement income changes under the Low, Intermediate, and High growth and inflation scenarios defined by the Financial Conduct Authority (FCA) for use in pension projections.


• Explore the scenario of Stagflation with sustained High Inflation and Low Growth, a concerning possibility in today's economic and political climate.

• See how the level of fund charges impacts your affordable retirement age.


• Choose from Low (0.25%), Moderate (0.75%), and High (1.5%) charge scenarios, or set your own custom level.


• As charges apply to your fund over the entire projection horizon, their impact can be significant.
• This can help you assess whether you are getting value for money for the level of charges you will be paying.

• Stress-test your retirement plans by simulating a market crash.


• Choose the age at which the crash occurs and the percentage fall.


• See the impact on your retirement age of a sudden market crash just before you were planning to retire.


• Or if you are already retired, see the impact of your sustainable income if a crash were to occur. How much would you need to reduce your spending by?

• State Pension Age: See the effect on your earliest affordable retirement age if the state pension age is raised to 70.


• Tax Band Freeze: Tax bands are currently frozen until 2031. See the effect of a possible extension to this freeze on your retirement age. You can specify the number of extra years to freeze the bands.


• Tax Free Lump Sum Limits: See the impact on your retirement plans of a reduction of the 25% tax free lump sum maximum. Also see what would happen if the lifetime limit on tax free cash of £268,275 is reduced.

• Find the most tax efficient mix of Pension and ISA withdrawals above your personal allowance.


• The calculation initially prioritises pension withdrawals to ensure your personal allowance is fully utilised in the calculation of your retirement age. But after that it prioritises ISA withdrawals, until your ISA funds have been used up.


• This feature allows you to specify a Pension Withdrawal Priority for withdrawals above your personal allowance. You can plan to draw all ISA or all pensions or any mix in between.


• The optimum mix to minimise your total tax bill over your whole retirement depends on your specific circumstances and on the economic scenario you are modelling.


• Lowering your lifetime tax bill directly increases your affordable retirement income.

• Currently, the model assumes any tax-free lump sum is spent immediately.


• This feature allows you to gradually reinvest the lump sum into your ISA, considering annual contribution limits.


• Funds awaiting transfer to the ISA will grow at a lower rate, reflecting the impact of taxes until fully sheltered.

• Annuities provide a guaranteed income for life, removing the stress of volatile fund values and the risk of poor long term fund growth. They also insure you against living longer than were expecting to.


• They are back in fashion as annuity rates have increased dramatically over the last few years, driven by the rise in interest rates.


• With this premium feature you can investigate purchasing an annuity for different amounts at different ages and see the impact on your sustainable retirement income.


• To ensure the rates used by the calculation reflect your circumstances and the latest market rates, an Annuity Rate Calibration Tool is also provided to align the conversion rates to the level that are currently available.

• Planning to boost savings after paying off a mortgage or when your children become independent?


• Specify the exact age and contribution increase to your pension and/or ISA and immediately see how accelerating savings impacts your retirement age.

• One very effective way to boost your early retirement spending, or retire earlier, is to plan ahead for lower income needs in your later retirement years.


• It is often the case that people slow down their activity once past their mid-70s. Your required spending may decrease. Specifically planning for this allows you to maximise activity in those early years.


• With this premium feature you can specify the age at which and by what percentage your income will reduce, in two separate steps, and instantly see how this strategy impacts your retirement income or allows an earlier retirement.

• If your final salary (or other defined benefit) scheme allows early retirement, this premium feature allows you to experiment with taking a reduced pension at various earlier ages than the scheme retirement age.


• You can enter your scheme’s specific early retirement factors for each age, if published, to get precise amounts for the early retirement benefits.


• Depending on your specific circumstances, taking a reduced benefit earlier may improve your long term tax position significantly.

Access to three additional charts relating to tax payments:

• Tax By Tax Band: See the breakdown of your tax payments in each retirement year split by tax band. This makes it easy to see how you might adjust your plans to reduce overall tax payments.


• Tax By Source: See how tax is calculated on each source of your income.


• Tax Free Allowance: See the cumulative tax free allowance as up to 25% of your pension income is tax free but only up to a lifetime maximum of £268,275. When this limit is reached you will see a significant increase in tax, so it is worth considering adjustments to your drawdown plan to avoid this.

• Visualise how much of your pension and ISA should remain in cash to cover a selected number of years' withdrawals.


• View a chart showing the evolution of the cash percentage required throughout your retirement.

• Understand your expected life expectancy based on your current age and sex.


• Use this valuable insight to effectively plan how long your retirement savings need to last.

• Export all your retirement calculations and cash flow projections directly to Excel for detailed analysis and record-keeping.


• The file contains separate sheets for Inputs, Assumptions, and Results along with a sheets for all of the chart data and tables.

• Currently in testing, an advanced AI solution has been designed to tackle the problem of hallucinations that make ChatGPT and its counterparts unreliable for factual information.


• Exactly how this has been achieved will remain a closely guarded secret, but hints will be revealed on release.


• Once live, you will be able to ask the AI any question about pensions and retirement planning and get a detailed, reliable answer.

• A chat-style assistant to help explain and strategise on the Analysis screen.


• Ask follow-up questions about the charts, tables, and assumptions in your results and get answers based on your actual results.


• Receive strategy suggestions to help you improve your retirement plan.

• Instantly download a customised PDF summary of your retirement plan scenarios.


• Includes clearly presented charts, tables, and assumptions.


• Perfect for printing, record-keeping, or sharing with your financial adviser.

• Automatically maintain the cash buffer selected in the Cashflow Ladder Guide across your pension and ISA funds.


• The engine continually rebalances to keep the required proportion in cash.


• See the protective effect of keeping a cash buffer against the effect of a market crash.

• Manage multiple client logins from a single adviser account, keeping households organised in one place.


• Save and compare multiple scenarios for each client without losing historical plans.


• Attach advisor notes to every scenario so recommendations and context stay with the plan.


• Bulk import client data via a formatted CSV to onboard faster.


• Upload reusable assumption presets from CSV to rapidly deploy starting templates for new clients.

• Upload pension benefit statements and automatically extract the key facts needed for modelling.


• Map the parsed data straight into the required input fields to build scenarios in minutes.


• Reduce manual data entry errors by pulling values directly from the uploaded statement.

• Enter the tax-free lump sum your final salary scheme pays and see it flow through the cashflow model.


• Input early retirement reduction factors for the lump sum to reflect scheme rules when taking benefits early.


• Experiment with different retirement ages to understand how early access affects both the lump sum and your overall plan.

• Easily check if paying voluntary National Insurance contributions to boost your State Pension provides good value.


• Quickly see how extra contributions translate directly into higher lifetime pension income.

• Specify the absolute minimum spend for each Retirement Living Standards category when stress-testing your plan.


• Automatically roll those choices into a consolidated “minimum viable budget” for downturn scenarios.


• Quickly compare your normal plan against a fallback budget to see how resilient your retirement income really is.

• Add a General Investment Account (GIA) as a sixth income source alongside pensions, ISAs, and other pots.


• Model taxable withdrawals, annual CGT allowances, and how the GIA interacts with ISA and pension drawdowns.


• Stress test mixed-account strategies to see the best sequencing for tax-efficiency.