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Your basics
Ages and the income you're aiming for.
Balances & contributions
ISA — tax-free bridge
Individual Savings Account — 100% tax-free to withdraw at any age, so it's drawn first (and bridges you until your pension unlocks).SIPP — the pension
Self-Invested Personal Pension (plus any workplace pensions). Locked until your access age — 57 from 2028 — then 25% is tax-free and the rest is taxable income, topped up by your State Pension.Other investments — GIA
A General Investment Account: drawn after the ISA, with Capital Gains Tax on gains above the £3,000 exemption.Property
Optional — a home you live in and/or a rental.
Rental property
Rental income is taxed as income and offsets your target in retirement. Optionally sell it later — residential CGT applies and the net proceeds move into your GIA.Home you live in
Counts as net worth and grows, but isn't drawn for income — unless you downsize, which releases tax-free cash (primary-residence relief) into your GIA.Withdrawals
How you take your pension, and any part-time work.
Part-time work — Barista FIRE
Taxable part-time earnings in early retirement. They offset your target — so your pots draw down less — until the age you stop.Statutory assumptions
Ages and figures set by the government, plus inflation. The defaults are the current 2026/27 rules — change them only if your situation differs.