Get answers to the questions that keep you up at night. "Should I defer my State Pension?" "How do I minimize Inheritance Tax?" "What's the best drawdown strategy?" Our AI analyzes your situation with real UK tax rules.
Earlier freedom, lower government benefits
Standard retirement, balanced approach
Maximum benefits, shorter retirement
No forms. No menus. Just conversation.
Ask follow-ups. Change assumptions mid-thought. The AI keeps up.
Quick answer or forensic detail—you decide.
"Can I retire at 60?" → "Likely yes, with some trade-offs. Want details?"
See key numbers, major assumptions, and the main trade-offs explained clearly.
Every assumption visible. Every calculation explorable. Change any input and see ripple effects.
Start quick, drill down when something matters. No judgment.
No generic features—real answers to the questions that keep you up at night. Every answer comes with month-by-month projections using actual UK tax rules.
Deferring State Pension increases your payment by 5.8% for each year you delay. We calculate your break-even age and show lifetime income under each scenario based on your situation.
Pensions give tax relief but lock your money until 55 (rising to 57). ISAs are flexible but use post-tax income. We model both strategies with your numbers and show which leaves you with more.
With a 40% IHT rate above £325k (or £500k with residence nil-rate band), planning matters. We model gifting strategies, pension death benefits, and trust options to reduce your estate's tax bill.
Taking 25% tax-free then drawing down? Phased drawdown? We model different withdrawal sequences to minimize tax and maximize sustainable income throughout retirement.
Salary sacrifice saves employer and employee NI, but affects borrowing and some benefits. We calculate the real value based on your marginal rates and show the lifetime impact.
There's no single number—it depends on your lifestyle, location, and income sources. We calculate your specific number based on your expenses, State Pension, workplace pensions, and investments.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"The pension freedoms rules are a minefield. Would be brilliant to have something that models drawdown properly."
— Waitlist member, Edinburgh"I've spent years in spreadsheets trying to figure out Roth conversions. This thing nailed it in five minutes."
— Beta tester, Austin"Finally something that handles the RRSP-to-RRIF conversion properly and shows me when my OAS gets clawed back."
— Beta tester, Vancouver"The super system is confusing as. Can't wait to see someone model the preservation rules properly."
— Waitlist member, MelbourneWhether you're retiring to the sun, following work, or rejoining family—cross-border planning is complicated. Different tax treaties, pension portability, healthcare systems. We're building support for 59 countries so you can model the move before you make it.
We'll let you know when your country is ready.
No forecast survives contact with reality. But the habit of projecting, tracking, and adjusting? That's where the value lives. The goal isn't a perfect plan—it's a better conversation with your future self.
Quick updates as you go. Log actual income, expenses, and account values against your plan.
See where reality diverged from projection. One-time blip or trend to address?
Your projection updates automatically. No more stale spreadsheets from two jobs ago.
When you drift off plan, get suggestions to get back on track—or update your target.
Small decisions compound over a lifetime. The right contribution sequence, tax-efficient growth, and smart drawdown strategy can mean hundreds of thousands more in your pocket.
Over a lifetime, optimizing which accounts to contribute to, grow in, and draw from saves the typical UK household tens of thousands in taxes.
Deferring your State Pension can increase your benefit significantly. But it's not always the right call. We model your specific situation.
With proper planning from the start, many households reach financial independence years earlier than they thought possible.
Deferring State Pension increases your payment by 5.8% for each year you delay past State Pension age. The right answer depends on your health, other income sources, and tax situation. Our calculator shows your break-even point and lifetime income under each scenario.
Pensions give you tax relief at your marginal rate (20%, 40%, or 45%), but you can't access the money until 55 (rising to 57). ISAs are more flexible but use post-tax income. If you're a higher-rate taxpayer, the pension tax relief is often more valuable.
IHT is charged at 40% on estates above £325,000 (or £500,000 if leaving your home to direct descendants). Strategies include lifetime gifts (which fall out of your estate after 7 years), pension contributions (pensions are usually IHT-free), and potentially life insurance in trust.
You can take 25% of your pension tax-free, but how you draw the rest matters for tax. Options include taking the lump sum upfront, phased drawdown, or uncrystallised funds pension lump sums (UFPLS). We model each approach to find the most tax-efficient strategy for your situation.
The Pensions and Lifetime Savings Association suggests £23,300 for a "moderate" single retirement or £43,100 for a "comfortable" one. But your number depends on your lifestyle, location, and whether you have a mortgage. We calculate your specific figure based on your actual expenses and income sources.
Salary sacrifice means you and your employer both save National Insurance (13.8% employer, up to 12% employee). The trade-off is lower reported income, which affects mortgage applications and some benefits. We calculate whether the NI savings outweigh the drawbacks for your situation.
We're launching in Canada and the US first, with Australia and the UK following soon after. Join the waitlist for your country.
No spam. Just launch updates for your selected countries.