Just ask your question: "Pension or ISA first?" "Should I defer my State Pension?" "How do I minimize Inheritance Tax?" Our AI analyses your situation with real UK tax rules—and explains what it found in plain language.
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.
Get a quick answer now, or go deep when it matters. Same question, you control the depth.
"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.
Read the guide →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.
Read the guide →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.
Read the guide →Taking 25% tax-free then drawing down? Phased drawdown? We model different withdrawal sequences to minimize tax and maximize sustainable income throughout retirement.
Read the guide →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.
Read the guide →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.
Read the guide →Most calculators hide what they're assuming. We show you exactly what's known vs. assumed—inflation rates, returns, tax brackets, everything. Don't like an assumption? Click it and change it. Your projections update instantly.
Every country has its own tax code, investment accounts, and benefits system. We build each one from the ground up—no shortcuts.
"My current advisor couldn't tell me whether to take the 25% lump sum now or phase it. I need something that actually models the numbers."
— Waitlist member, Edinburgh"The Roth conversion ladder it suggested saves me roughly $47,000 in lifetime taxes. I've been doing my own spreadsheets for years and never saw this."
— Beta tester, Austin"Showed me withdrawing $15K extra from my RRSP before 65 would keep my OAS intact. That's over $8,000/year I was about to lose."
— Beta tester, Vancouver"I'm trying to work out if extra salary sacrifice now means I'll lose Age Pension later. No calculator I've found handles this properly."
— Waitlist member, MelbourneMost calculators only handle one country. We can model your retirement in 68 different countries—so you can compare what your finances would look like in each.
68 countries. Compare your options.
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.
Retirement isn't a solo journey. We model both partners' income, benefits, and accounts together—so you can see how decisions affect you as a household.
Most tools treat each person separately. But real couples make joint decisions—when to access pensions, how to use allowances, and how to structure income for taxes.
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.