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Your basics
Ages and the income you're aiming for.
Current age
yrs
Retirement ageWhen you plan to stop working. Your ISA/GIA bridges income until your SIPP unlocks.
yrs
Target retirement incomeThe take-home income you want to spend each year in retirement — after tax, in today's money. Your State Pension is already counted towards this.
£/ yr
Coast FIRE
Stop saving early and let your pots grow on their own.Stop contributions at ageAge at which you stop adding to your pots. Leave at 0 to keep contributing until retirement.
0 = keep going
Balances & contributions
ISA
Treatment: tax-free. Limit: 20000/yr.Current balance
£
Monthly contribution
£
Expected growth (net of fees)
% / yr
SIPP
Treatment: tax-deferred.Current balance
£
Monthly contribution
£
Expected growth (net of fees)
% / yr
GIA
Treatment: taxable.Current balance
£
Monthly contribution
£
Expected growth (net of fees)
% / yr
Property
Optional — a home you live in and/or a rental.
Rental property
Leave at 0 to keep it. Otherwise it's sold at this age (residential CGT), proceeds go to your GIA, and the rent stops.Current value
£
Monthly rent
£
Expected growth
% / yr
Sell at ageLeave at 0 to keep it. Otherwise it's sold at this age (residential CGT), proceeds go to your GIA, and the rent stops.
0 = keep
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.Current value
£
Expected growth
% / yr
Downsize at ageLeave at 0 for no downsizing. Otherwise release a share of the home's value as tax-free cash at this age.
0 = never
Release
%
Income & cashflows
Guaranteed pensions, part-time work, state benefits, and expected future lump sums.
Defined Benefit (Final Salary) Pension
Guaranteed annual pension income starting at a designated age (e.g. NHS, Teachers, Civil Service, Armed Forces, or corporate DB schemes). It directly reduces your required drawdown from investment pots.Annual pension income
£/ yr
Starts at age
yrs
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.OffNo part-time earnings in your projection.
State Pension
Full new State Pension for 2026/27 is £12,548/yr. Lower it if your National Insurance record is incomplete.Annual income
£/ yr
Starts at age
yrs
Expected Future Lump Sums
One-off cash inflows like inheritance, gifts, property sales, or corporate bonuses expected at a specific age.Withdrawals & strategy
How you access your pension and draw down investment pots.
Pension accessGradual (UFPLS): 25% of every withdrawal is tax-free — usually the most tax-efficient. Lump sum: take the 25% tax-free cash up front (it goes into your GIA).
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.
SIPP access ageUK minimum pension age is 55 today, rising to 57 in April 2028 — the default here.
yrs
Plan lasts toThe age the plan must fund. The projection runs every year up to here.
yrs
State Pension age66 today, rising to 67 (2026–2028) then 68. Default is 67.
yrs
State PensionFull new State Pension for 2026/27 is £12,548/yr. Lower it if your National Insurance record is incomplete.
£/ yr
InflationYour target income is in today's money and grows by this each year, so later withdrawals rise. Tax bands and the State Pension are held at 2026/27 levels (modelling fiscal drag). Set to 0% for a purely nominal projection.
% / yr