Make room for the life you want.
See how your savings, retirement and family plans fit together. Start with what you know. Explore what could change.
What could retirement look like?
Add what you know
Bring your savings, pensions and plans together. You can check estimates later.
Try a different future
Explore retiring earlier, changing your spending or helping your family.
Keep a plan you understand
Compare your options, check the assumptions and save your progress.
One plan, three useful ways in
Build my savings
See where the next £1,000 could do most, what pot you may need, and what fees cost over time.
Saving · pot goal · fees →
Plan my retirement
See what income the plan supports, when you could retire, and how it fares through difficult markets.
Income · timing · stress tests →
Look after my family
Bring retirement, inheritance tax, gifts and what your family receives into the same picture.
Estate · gifts · two lives →
Your plan, tested on every market Britain has actually had.
Every 30-year retirement start since 1871, drawn at once: £100 of buying power in a balanced mix. The worst start merely broke even; the best made 15 times. The planner runs yours against all of them — plus replays of 1973, 2000 and 2008.
Couples, inheritance tax and your retirement cash-flow in one plan
No free UK tool does all three. Gifts, the seven-year clocks, the £2m taper and pensions in the estate from April 2027 sit inside the same year-by-year projection as your retirement income.
Checked figures stay distinct from estimates
The planner shows which groups you have reviewed, when the plan was last saved, and which results still depend on starting estimates.
Free. No sign-up. No account.
Your figures stay in your browser. Nothing is sent anywhere; there is nothing to sell you and no adviser waiting at the end.
Data, explanations and one-question tools remain public
Test a retirement income
Compare four withdrawal approaches across every complete UK historical start and resampled futures.
Rates, gilts and funds
Today's Bank Rate, SONIA and gilt curve, every gilt, and funds grouped by risk level.
What do you want to work out?
Search the questions, calculators, guides and market data from one place.
Take the money MOT
Twelve checks a useful financial plan should be able to answer.
How it works, and what it is not
A year-by-year cash-flow for each person: earnings until retirement, state pension from state pension age, other income and pension drawdown; income tax at 2026-27 rates with thresholds frozen to 2031; living costs, mortgage capital and gifts out; surplus saved, shortfalls from savings then pensions. Then the estate against the nil-rate bands as they will stand, pensions included from April 2027. Investment returns come from a dated capital-market table, overridden by today's gilt yields; history from the Jordà-Schularick-Taylor UK series 1871–2020; mortality from ONS-fitted life tables.
This is not financial advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser.