• 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 according to your unique lifestyle, using familiar spending categories from Retirement Living Standards.


• Easily select Minimum, Moderate, Comfortable options, or fine-tune exact amounts using intuitive sliders.


• Instantly see how customising your budget impacts your retirement age, potentially allowing you to retire months or even years earlier.

• Test the impact of shifting contributions away from your pension, taking that amount instead as additional net pay into your ISA.


• Instantly see how this affects your retirement income.


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

• Go beyond FCA’s standard scenarios freely adjust your assumptions for Fund Growth, Inflation, and Investment Charges.


• Explore realistic scenarios, including sustained high inflation and low growth environments, giving you confidence in your retirement planning even in uncertain times.

• Understand the impact of a sudden market downturn before or after retirement.


• Model various market crash scenarios by specifying percentage losses and timing.


• Quickly see how a market crash affects your retirement, discovering how much longer you may need to work or how your sustainable retirement income might reduce.

Model possible scenarios of changes to government policy:

• 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 2028. See the effect of a possible extension to this freeze on your retirement age.


• 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.

• Optimise your retirement income strategy by adjusting how you draw from pensions and ISAs to minimise long-term tax.


• Fine-tune how much pension income you take within the basic rate tax band, balancing this with ISA withdrawals.


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

• Easily model converting part of your pension pot into a guaranteed annuity income at any age you choose.


• Clearly see the trade-off between lower overall income and the benefit of guaranteed lifetime security.


• Calibrate results using the Annuity Rate Calibration Tool for personalised and realistic outcomes.

• 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 timeline.

• Plan ahead for lower income needs in your later retirement years to boost your early retirement spending.


• Specify when and by how much your income will reduce, and instantly see how this strategy increases your available income at the start of retirement.

• Explore early retirement options with your Defined Benefit pension.


• Input your scheme-specific early retirement factors and instantly see how choosing to retire earlier affects your long-term 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.

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