Connect your household figures, choose retirement assumptions and explore your financial freedom target.
SAVES IN YOUR BROWSER · NOTHING LEAVES THIS DEVICE
1About you
Assets you can access for financial freedom. Keep emergency cash and your home separate. Add pension pots and their access ages in Household; their role appears below.
2Money in, money out
After tax — what actually lands in your account.
Current costs affect what you can invest. Your retirement spending is set separately below. Review Budget.
Portfolio contribution / withdrawal each year
3Life after work
Choose the spending you expect after stopping work, in today’s EUR. Include any housing or debt costs that will still apply.
Advanced — Review the assumptions behind your result.Open ▾
Annual return after inflation and portfolio costs/taxes. An assumption, not a forecast.
A planning assumption, not a guaranteed safe rate. Sustainability depends on horizon, returns, fees and taxes.
Applies to separate scenarios. Connected plans follow Budget allocations.
In today’s money; assumed inflation-linked from the start age below. Connected plans use Household pension income when present. Otherwise this is an additional assumption: never repeat income derived from a pot already included. In a connected plan it reduces retirement needs only. Leave 0 to ignore it.
Restricted pension contributions, emergency saving, other goals and unallocated cash. Held constant in today’s money. Remaining future cash flow goes to this portfolio. Avoid counting the same expense twice.
NEEDED AT THAT AGE YOU ADD THIS YEAR SHARE OF INCOME
Your money over timeREAL TERMS · DASHED = TARGET AT THAT AGE
Compare portfolio contributions
Standalone comparisons assign each share of income to this portfolio. Connected plans show contributions from your saved allocations instead.
The milestones on the wayEACH ONE CHANGES YOUR OPTIONS
What would actually move the date
Each lever uses monthly cash flows with yearly checks against your financial freedom target. Results are shown in whole years.