Free · illustration only · no sign-up · no cookies
Your Future Compass – I think therefore I plan
One road
Think of your retirement like setting off on a road trip with a full tank of fuel. You know where you’re heading, but you never know exactly how long the drive will take or how much fuel you’ll actually use to get there.
That’s what each line on this chart represents: one journey. On every trip, you’re going to run into different conditions: steep hills, sudden roadworks or a patch of bad weather. Just like in real life, those changing conditions mean every drive takes a different amount of time and gives you a unique experience along the way.
Modelled on a 60/40 equity and cash mix: equities at 4.5% and cash at 0.5% a year above inflation before charges, with 15% equity volatility, less 0.75% charges, across 2,000 simulated futures in today’s money. Assumptions, not forecasts.
Model how your pensions and savings could grow, then how long they could last once you stop. Guidance and illustrations only, not regulated financial advice.
You haven’t been asked to accept any cookies, because there are none. Your figures are modelled in your own browser, and never reach our analytics.What we don’t collect →
About five minutes, start to finish.
No sign-up needed to see an initial look at your plan on the free interactive graph. With a free account you unlock many more capabilities and advanced modelling.
Start with the basics
Your age, pensions and savings, and the income you’d want in retirement. That’s four or five things, about two minutes.
See it modelled
Your plan tested across thousands of market scenarios, in today’s money, with UK tax and the State Pension already built in.
Change anything, watch it move
Retire a year earlier, pay in a little more, add a partner, property or inheritance, and watch the plan move.
Transparent by design
No catch, and nothing hidden. Here's how it works, how we make money, and how we treat your data.
One simple fee
You pay once for a year or two of access. Not a subscription, and it never renews automatically, so you stay in control. There’s no commission from any bank, insurer or adviser either.
Your data stays yours
We sell no products, and we never sell or share your data. Your figures are yours alone. The detail is below, and every line of it is something you can check.
We guide, we don't advise
Every result is an illustration to help you weigh things up. The decisions stay with you.
What we don't collect
- No cookies. At all. Your session lives in your own browser and is never sent to us, so there is no banner, because there is nothing to consent to.
- We don't store your IP address. No location profiling and no fingerprinting.
- Do Not Track is honoured. If your browser asks not to be tracked, we don't.
- The maths runs on your device. Your figures are modelled in your own browser, not sent to a server to be crunched.
- Your numbers never reach our analytics. We can see which features get used, never the figures, name, email or date of birth you enter.
- Nothing sold, shared or pixel-tracked. No data sale, no ad pixels, no cross-site tracking. Save a plan and it is encrypted, stored in the EU, and yours alone.
If you’re considering other tools like ours, ask whether they can say the same.
What we'll never do: sell your data · take a commission · push a product · dress an illustration up as advice.
Your turn
See where you stand today.
Pick any question above and see your own numbers in about five minutes, free and with no sign-up. A free account adds the full projection on your own figures: both of you together, every pension, ISA and savings pot, the State Pension, and UK tax through retirement. The side-by-side above says exactly what a licence adds on top. Guidance and illustration only, never advice.