Building your complete
financial picture
Model your pensions, ISAs, property, and savings in one place. Built for people who want to understand what their future may hold.
Pensions & ISAs
Model your pensions and ISAs with customisable growth assumptions.
Retirement forecasting
Year-by-year wealth projections from now to your post-retirement years, with drawdown and annuity scenarios.
Couple planning
Run calculations for two people simultaneously, with shared assets and individual pension pots tracked separately.
Rate scenarios
Switch between default rates or build a bespoke scenario — adjust inflation, investment growth, and interest rate assumptions to match your own outlook.
How it works
Enter your income & assets
Start with the Income tab — salary, property value, and current savings balances.
Configure each financial product
Fill in your pension, ISA, and mortgage details. Each tab feeds into the combined summary.
Review your financial summary
The Summary tab shows your full net worth trajectory, retirement income, and PLSA benchmarks.
Model different scenarios
Adjust retirement age, drawdown rates, and growth assumptions to stress-test your plan.
What is net worth?
Your net worth is the clearest picture of your financial health — the difference between what you own (assets) and what you owe (liabilities).
Tracking it over time shows whether you're building wealth, staying stagnant, or falling behind. It's the single most useful number in personal finance.