Journey

Quick start

1. Pick a starting point. Use "Start from an example" for a single client or a couple, or overwrite the boxes with your own hypothetical case.
2. Enter the people. Names, ages and State Pension (in today's money; it rises each year by the "State Pension rises" rate in Assumptions).
3. Add the pots. Use "Add a pot" for pensions, ISAs, investments (GIA) and cash. For investments also enter the cost basis so capital gains tax is worked out properly.
4. Add other income. "Add other income" covers defined benefit pensions, annuities, rent and business income.
5. Set the income wanted. Enter the amount, choose whether it is net or gross, and the age it starts. Add contributions if the client is still saving.

Reading the results

1. The headline says whether the income is funded to age 100 and what is left.
2. Forecasted growth rates shows five futures (1%, 4%, 5.5%, 7% and 4% with market falls). Each tile says when income falls short, when the pots reach £0, or what is left at age 100. Click a tile to open that future.
3. Net or gross and today's or future money switch the whole page. Net income is after income tax and capital gains tax. National Insurance is not included.
4. Closing the gap shows the extra yearly contribution, lump sum or sustainable income that would fix a shortfall.
5. Withdrawal order: choose "Most tax efficient" and the tool shows the order it used and how much tax it saves.
6. Pin this plan to compare keeps one result on screen while you change another.

Taking it into a report

1. Scroll to Charts for your report and use Copy image or Save as PNG.
2. In Summary for your report, use the copy buttons to paste tables into Word or Excel, or choose Download report (Word) for a ready-made document.

Good to know

Illustrative only, not advice. Based on 2026/27 tax rules, with thresholds frozen to April 2031. Growth rates are before charges and are not guaranteed. Check the Scottish bands before using Scottish cases.