Money Horizon › Calculators
Calculators
One question, one answer, on the same 2026-27 rules and the same engine as the full plan. Each page shows a worked example; open the calculator to use your own figures, and put the result straight into your plan.
Interactive retirement tool
Compare four ways to draw an income
Put in a pension, ISA, spending target and state pension. See how constant, percentage, variable and ratchet withdrawals behave through UK history and resampled futures.
Pay and tax
What do I take home?Take-home payWhat does £1 into my pension cost me?Cost of a poundWhat is the capital gains tax on a sale?Capital gainsOverpay the mortgage or invest?Overpay vs invest
Pensions
How much can I still put in this year?Annual allowanceWhat do I need to save for a pot of £X?Pot goalHow long will my pot last?Pot longevityWhat income can my savings sustain?Sustainable incomeIs buying National Insurance years worth it?State pension top-upAnnuity or drawdown?Annuity vs drawdownTake the bigger lump sum, or keep the pension?Final salary: lump or incomeWhat do my fees cost me?Cost of fees
Estate and later life
What would inheritance tax be today?Inheritance tax, quicklyIs my gift still counted?Gift clockHow many years of care could we fund?Care affordabilityWhat does equity release cost the estate?Equity release
Money over time
Invest a lump sum or drip it in?Lump sum vs drip-feedHow long might I live?Life expectancyWhat would a gilt ladder pay?Gilt ladderConventional or index-linked?Conventional vs index-linked giltWhat does a 1% rate rise cost me?Rate rise costWhat is £X in another year's money?Today's money
Not 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.