Put in what you earn, what you spend, what you have saved and what you owe. It runs your finances forward one year at a time, to whatever age you choose, using real UK Income Tax and National Insurance.
Two things to know. Everything stays in this browser on this device — nothing is sent anywhere, and nobody else can see it. That also means clearing your browsing data deletes your plan, so use Export to file now and then to keep a copy. This is a planning tool, not financial advice, and it does not cover every situation — see the notes at the bottom of this page.
Ages drive everything. Each item below is measured against its owner’s age.
Named future spending you want to keep an eye on — a new car, a wedding, university fees. A goal is just money going out, but it gets its own chip on the Timeline and its own line in the Goals table showing whether the plan can still afford it.
No goals yet.
Salary, pensions in payment, rent. Type sets how it is taxed — only Employment pays National Insurance.
No income yet.
Cash, ISAs and anything else you can spend from. Change a pot’s Type and it moves to the matching section.
No savings or investments yet.
Money paid in reduces the owner’s taxable income. Money taken out is 25% tax-free, 75% taxed as that person’s income.
No pensions yet.
Counts towards net worth but is not spendable unless you set a Sell at age.
No property yet.
Interest is added monthly and the payment taken monthly, the way a real lender does it. Payments count as money going out each year and they don’t rise with inflation — which is why a fixed mortgage quietly gets easier over time. Leave Payment / month blank and fill in Or term to have it worked out for you.
No debts yet.
Everything that goes out each year, for as long as you say.
No expenses yet.
Single amounts landing in one year — an inheritance, a new roof, a wedding.
No one-off events yet.
Each year’s surplus is sent down this list in order. Leave a limit blank to mean “as much as there is”. Limits are in today’s money and rise with inflation.
When a year comes up short, money is taken from the ticked pots in this order. The last one in the list is allowed to go negative — that is what “running out” means.
Every dated thing in your plan, on one axis. Drag any chip to a different year and the plan recalculates straight away.
Everything below fits on paper. Check it here first.
Click any year to see exactly how it was worked out.
The plan runs year by year until every person is past their “plan to age”. For each year:
Spendable = pots ticked for drawdown. Closing = all pots. “Money runs out” is when Spendable drops below zero. All money is whole pence, rounded after each pot’s growth (half a penny up).
Tax is deliberately rough for now. England / Wales / Northern Ireland rates only (not Scotland);
pot growth is not taxed; no separate dividend or savings-interest rules; the £268,275 cap on tax-free pension
cash is ignored; self-employment uses the employee NI rates; pension annual/lifetime allowances are not checked.
The tax figures live in one labelled TAX block at the top of the file’s code, updated each April.
Overlay any two scenarios’ spendable-money lines. The dot marks where each runs out.
Your plan is run many times over, each time replaying a different stretch of real market history — real crashes, real recoveries, real inflation, in the order they actually happened. Every figure below is in today’s money, because each run has its own inflation path.
Each of these runs your plan over and over, closing in on one number. They all use your fixed growth assumptions, not the simulation above — so they answer “what if things go roughly as I expect?”
Your plan is stored only in this browser, on this device. Nothing is sent anywhere and nobody else can see it — but clearing your browsing data will delete it, and it will not follow you to another computer or phone. Use “Export to file” to keep a copy.
This is a planning tool, not financial advice. It is a projection built from the figures you type in, and small changes to those figures move the answer a lot. It is not a recommendation to do anything, and it is no substitute for advice from someone regulated and qualified who knows your circumstances.
What it does not cover. Scottish tax bands — it uses England, Wales and Northern Ireland rates only, so a Scottish taxpayer will see the wrong tax. It also leaves out tax on dividends and savings interest, the £268,275 cap on tax-free pension cash, the pension annual allowance and its taper, Inheritance Tax, defined-benefit pensions, interest-only mortgages, student loans, and the death of one partner. Self-employment is charged at employee National Insurance rates.