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Premium Features

Below is a full list of premium features currently available. The premium subscription is currently priced at £49.99 annually. As we continuously develop and introduce new premium features in the coming months, the subscription price will increase, but existing annual subscribers will continue to enjoy all updates at their originally-locked rate.

Our advanced AI solution combines answers from GPT4.1 and Claude Sonnet 4.0, cross-checking them using Gemini 2.0 Flash and real-time Google searches to ensure accuracy and up-to-date information.

Project your partner's pension (and other retirement provisions) alongside your own and see a combined affordable retirement income, based on the assumption that you and your partner retire at the same time.

Explore the effect of switching your contributions to your partner, or vice versa, to maximise tax efficiency.

Compare this with the recommended combined income levels for a couple for the Minimum, Moderate and Comfortable standards of living from the Retirement Living Standards website.

Instead of being restricted to the three FCA growth scenarios, the premium version gives you full freedom to adjust the model assumptions. Adjust assumptions for fund growth, inflation, and charges to see the effect on your retirement plans under different conditions. The FCA scenarios do not allow for a high-inflation, low-growth outcome, which is what we are currently experiencing.

  • Fund Growth: Your future income depends heavily on how your investments perform. Adjusting this helps you explore best-case, worst-case, and average scenarios — giving you a more realistic picture of potential outcomes.

  • Inflation: After a long period of low inflation, the 2020s have seen inflation shocks that could not have been predicted. Entering higher inflation values will allow you to test how significantly future inflation affects your affordable retirement income. You will be surprised how devastating sustained higher inflation rates can be to your affordable income.

  • Fund Charges: Even small fees can have a big impact over decades. Adjusting fund charges helps you understand how much of your income might be lost to fees — and whether switching to lower-cost investments could improve your results.

A crash in the stock market just before or just after retirement can have a devastating effect on your pension fund and what you can afford to take as income. The premium version allows you to model the effect of a fall in your fund values of a specified percent at a specified age.

From that you can work out how many more years you would need to work to recover from a crash, or how much less income you would be able to afford.

Vary the mix of income between pension and ISA, to find the optimum mix to minimise the amount of tax you pay over the long term.

The free version automatically uses pension income up to the personal allowance to maximise tax-free income. But this feature goes a step further and allows you to adjust the proportion of your basic rate band taken as pension income, taking the rest from your ISA, minimising the total tax you pay over your whole retirement.

As your affordable income is calculated based on your whole retirement, minimising tax in the long term increases your affordable retirement income.

Investigate converting a proportion of your pension fund to an annuity at an age of your choice, seeing the amount of income you would give up in exchange for the certainty of a guaranteed income for life.

You can calibrate the annuity rate calculations to market rates for your own specific circumstances using the Annuity Rate Calibration Tool.

If you are still paying off a mortgage or have children at home, your retirement planning may include an increase in pension contributions at a certain age. Specify the age at which you plan to increase your contributions and the amount of the increase. You can do this for you pension and your ISA.

Reducing the level of income you plan to take in the later years of retirement frees up funds to allow a higher income in the early years.

Specify two percentage drops in income at specified ages. Your affordable income is automatically recalculated to see the effect.

If you have a defined benefit pension that allows early retirement, the premium version allows you to investigate retiring early at different ages.

You can input the early retirement factors specific to your scheme to see the effect of taking a reduced income at different ages and how that affects your overall retirement income.

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.

Premium members can log in at a later date and resume their investigation with the same inputs from where they left off. There is a button to clear all inputs and start again if required. The inputs are stored securely and are not shared with any third parties.