A few quick questions. A clear read on your retirement and home-buying position. A prioritised plan of what to do next.
Rough figures are fine — you can adjust everything later. Nothing is stored or sent anywhere; it all stays in your browser.
Your projected position at retirement, in today’s money. Drag the controls to see what changes it.
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In order. Each step says why it’s there. Tick things off as you do them — and take the whole thing to a regulated adviser for the execution details.
This is guidance, not regulated financial advice. Nothing here recommends a specific product, fund, or provider. Projections are illustrations in today’s money using real (after-inflation) growth assumptions and a 4% sustainable-withdrawal rule of thumb — they are not guarantees, and capital invested is at risk. Figures use 2026/27 UK rates and allowances: State Pension £11,973/yr, pension annual allowance £60,000, lump-sum allowance £268,275, personal allowance taper above £100,000. Benchmarks: Target Replacement Rates from the Pensions Commission (2004), earnings bands uprated per PPI / Pensions UK adequacy modelling (2025), cross-checked with the approach in DWP’s Analysis of Future Pension Incomes (2025); PLSA Retirement Living Standards (Loughborough University / Pensions UK, single person outside London, 2025/26), which assume mortgage-free homeownership. Home equity is counted in net worth but excluded from retirement income projections. Tax rules can change. Assumptions as of July 2026. For personal recommendations, consult an FCA-regulated adviser. No data is stored or transmitted — everything runs in your browser.