◒retirement flow
UK planning prototype · 2026/27 tax assumptions
SAVED IN YOUR BROWSER
YOUR RETIREMENT, IN VIEW

See the shape of your future cashflow.

Build a picture from people, income, spending and assets. Then ask a question or explore the charts.

✳Plan with possibilities,
not predictions.
Build your picture

Annual assumptions used throughout the projection. Figures are illustrative.

Surplus income goes into each person’s ISA up to £20,000 of contributions per modeled year, then into their cash balance. Scheduled ISA additions count toward that limit.

This link contains all plan inputs, including dates of birth. Anyone with the link can view them. Use a website address the recipient can access.

Keep named snapshots in this browser for this website address. Your current model continues to save automatically.
NEW PLAN GUIDE

Start with the essentials

Step 1 of 4

Who is this plan for?

Enter yearly pay before tax. Job income stops at that person’s retirement age.
01PeopleNames, dates of birth and optional second person⌄

Add both people’s income and assets below. Each person has their own retirement age and tax calculation; household expenses are shared.

02AssetsPension, ISA, cash, property and mortgage⌄

Add pension, ISA, cash or property items. Set monthly additions on funds. For a property, tick Mortgaged to enter its balance and payment schedule. Tick Add to Expenses to show each schedule in cashflow.

Unlinked additions use surplus income after spending. Linked additions appear in Expenses and can use other available funds. Pension tax relief is not modelled. Property is excluded from spendable funds.

03IncomeJobs, State Pension, DB pensions and more⌄

Add each regular income source. State Pension starts at the age calculated from its owner’s date of birth; an annuity is created from the Shape section. Partner sources appear when you include a partner.

Jobs, DB pensions, rental profit and other taxable income share the owner’s Income Tax allowance. Rental profit is assumed to equal spendable cash. National Insurance and rental-specific reliefs are not modelled. Pension tax ↗ · Rental tax ↗

04ExpensesEssential and discretionary spending⌄

Enter household costs once and tag each as essential or discretionary. Linked asset additions and property payments appear here automatically.

Amounts are entered in today’s pounds. Linked expenses are edited in Assets. Property payments are essential and run through their chosen end age.

05Quick answersWhen can Person 1 retire?⌄

When can Person 1 retire?

Find the first person’s earliest age with no projected unfunded spending through age 100, including discretionary costs. The second person’s retirement age stays at its selected value.

06Shape your planRetirement age and guaranteed income⌄
65
Now80
70%
0%100% of essentials200%
Set the household annual income goal as a share of recurring essentials. State Pension and active DB income count toward it; pension annuities fill the remainder.

Choose which pension pots can fund annuities

Choose automatic goal funding or schedule individual purchases for each pension. Scheduled purchases can use your own indicative rate or provider quote.

Tax assumptions Residence and tax-free cash used
Person 1 State Pension starts——
Annuity income——
Funds / gap at age 100——
Show chart values in
07 / ANNUAL CASHFLOW

What comes in and goes out

Annual funding sources and spending needs, in today’s pounds

WorkState PensionAnnuityOther incomeDrawdownPCLS (tax-free cash)CashISAEssentialsTotal needed
Bars show what funds each year. Empty space below the dotted spending lines is an unfunded gap. Hover for the amount.
08 / FUND VALUES

How your money changes

Each bar stacks pension, ISA and other cash in today’s pounds

PensionISAOther cashFunding gap
Below £0 shows accumulated spending the model cannot fund.Drag the first person’s retirement marker to explore.
09 / INCOME TAX

How tax changes

Annual estimated income tax in today’s pounds, calculated separately for each person

Person 1
Hover to see each person’s taxable income, personal allowance, pension draw and tax.Taxes are calculated individually.
YOUR PLAN IN WORDS

Plan timeline

Key changes from now to age 100

    HOW THE PLAN WORKS

    Income & cover

    A NOTE ON THE NUMBERS

    What’s included

    The projection starts at the client’s current age and uses cash or ISA funds to bridge years before pension access. Income, expenses and assets are separate items; each pension can fund an annuity toward the chosen household target. Property equity is shown separately. Mortgage payments follow the dates on each property item, with the balance assumed cleared after the end age.

    Tax uses 2026/27 rules throughout. National Insurance, rental-specific reliefs, pension contribution tax relief, capital gains, dividends, fees, benefits, protected allowances and future policy changes are not modelled. Figures are illustrations, not quotes or personal financial advice.

    Income tax ↗State Pension age ↗HL lifetime annuity rates ↗Fixed-term examples ↗
    Lifetime annuity benchmarks: HL, 8 Oct 2026. Fixed-term bridge examples: Standard Life figures reported 12 Oct 2026 for an age-65 buyer, £100,000 purchase, 5 or 10 years and 50% maturity value. Other terms are illustrative estimates from those examples. Both people are assumed alive through the chart. Actual quotes will vary.