See the whole retirement plan, not just the spreadsheet.
Journey turns a cashflow forecast into a story: five growth scenarios, tax at marginal rates, shortfall solving and the most tax-efficient order to draw from pensions, ISAs and investments.
Income tax, CGT and the personal allowance taper modelled year by year (2026/27 rules)
Gross or net income targets, State Pension, defined benefit, annuity, rental and business income
Shows when income falls short, when a pot hits £0, and what is left at age 100
"Closing the gap": extra contributions, a lump sum, or a sustainable income
Download a report with charts and summary tables, ready for Word
Private by design
All calculations run in your browser. Nothing you type is sent anywhere unless you choose to save a Cashflow to your account. Please use anonymised or hypothetical cases only.