No unfinished-work copy on public pages
The Markets page no longer shows an empty Shares row while the FTSE All-Share figures await their monthly hand entry; the NS&I table now simply states the date its twelve rates were checked against nsandi.com (5 September 2026, all matching); every fund's 'What it holds' row points to the provider's factsheet for the asset split and holdings, and links the cost-of-fees calculator with that fund's charge already filled in. Calculator pages accept starting values in the link (for example ?charges=0.22). The site build now fails if any public page carries unfinished-work wording, so a data file's status can never reach a page again. See it →
Children, expected inheritances and a means-tested care stress
Under About you, children and grandchildren can be added with school fees between two ages, university from 18, a house deposit at an age (a seven-year gift) and a Junior ISA contribution; they show on the timeline and in every chart that reads living costs. Life events gain 'Inheritance expected', with the share passed straight on to the next generation by a deed of variation, which never enters your estate. The care stress test now applies the local-authority means test (England or Scotland): above the upper capital limit you pay the whole fee; below it you pay your income less the personal expenses allowance plus the tariff on capital between the limits, and the retirement page says what the council would cover. See it →
Dates that matter, an undo button, and calculators that run on their own pages
Records gains a 'Dates that matter' chapter: a countdown to 5 April, the next review, every gift's seven-year clock and taper date, state pension, retirement and pension-access ages, and the plan's events, with a calendar (.ics) download that carries a reminder a week before each. Every change to your figures can now be stepped back with Undo beside 'Changed just now'. Every public calculator page runs its calculator live, starting from the figures saved in your planner on that device, with a button to carry on in the planner. The first run asks whether you are working, stopping soon or already retired and asks a couple for each partner's own figures; a backup file can be restored from the first-run dialog. The Learn page groups results by kind, the header has a search box, chapters end with previous/next buttons, and the Overview, Family and Next steps pages now agree on what is switched on and what expires on 5 April. See it →
Retirement Income Lab — four withdrawal approaches through UK history
A new free, no-sign-up Retirement Income Lab compares constant inflation-linked spending, a percentage of wealth, spending spread over the years left and a ratchet. It uses the same tax-aware projection as the full planner, with pension and ISA balances, state pension, a selected risk mix, charges, a cash buffer and optional spending guardrails. The result shows the income path, every complete UK historical start since 1871, resampled market-and-inflation futures and the money left later — while making clear that variable rules promise different income, so success rates alone are not comparable. The public header now also has a light/dark switch; the choice is remembered across the site and the planner. See it →
Shares against gilts on the market page, and a guide to factors
The market page gains a Shares (FTSE All-Share) row: earnings yield and dividend yield against the 10-year gilt — the equity risk premium as arithmetic, with no view on whether it is high or low. The two index figures are a dated hand entry (the provider's factsheet does not print them), so the row appears once the first entry is made. New guide: What is a factor? — value, quality, size, momentum and low volatility explained for anyone who has met the words on a factsheet, what each tilt holds, what each did in good and bad decades with sources dated, whether a planner needs any of it, and how to spot a tilt on a factsheet. Glossary +3 (earnings yield, equity risk premium, factor). See it →
Two gilt guides, and a look-through row under every fund
Barbell, ladder or bullet — three ways to hold gilts: each explained with a live £100,000 example built from today's gilt table, and a table of what each shape gains or loses if all yields fall 1.5 points, rise 1 point, or the curve steepens. Index-linked gilts — how they work and how they lose money: indexation, real yield and breakeven with today's numbers, and six ways capital is lost, each in pounds — including 2022 from the Bank of England's own real yields, the 2030 move to CPIH and the missing deflation floor. On the funds page every fund now has a collapsed 'What it holds' row for its factsheet facts, UK history for a mix like it, and — once your figures are in the planner — what its charge costs by your retirement. See it →
Two gilt calculators: conventional or index-linked, and what a 1% rate rise costs
Conventional or index-linked? takes your holding period, your own inflation guess and your tax position, picks the two gilts nearest that maturity from the daily gilt table, and says which pays more per £10,000 — with the breakeven the market is pricing, the crossover after tax, and the answer at 1–5% inflation. What does a 1% rate rise cost me? turns a gilt's duration (or a bond fund's, from its factsheet) and the amount held into the fall in pounds for rises of ½, 1 and 2 points and the gain for the same falls. Both show their workings. See it →
Every gilt on one page — index-linked gilts, breakevens, duration and the yield after tax
A new page lists every conventional and index-linked gilt in issue in maturity order with the same indicative figures for each, priced off the Bank of England curves each weekday: yield (real yield for index-linked gilts), how far £10,000 of it would fall if yields rose one point, and — on request — the breakeven inflation against the nearest conventional gilt, the yield after tax at 20, 40 or 45% (coupons taxed, the gain to £100 exempt), coupon, clean price, duration and ISIN. Every figure opens its workings. The eight-month-lag design and the 2030 move to CPIH are flagged; three glossary terms added (duration, clean and dirty price, net yield after tax); the market page shows the 10-year real yield and breakeven. See it →
More of the market, as facts: Bank Rate's expected path, breakeven inflation, index-linked gilts, quoted savings and mortgage averages, NS&I, house prices
The market page now shows where the market has priced Bank Rate month by month for five years (from overnight index swaps), the inflation the market is pricing at 5, 10, 20 and 30 years with the real yields beside it, every index-linked gilt in issue with an indicative real yield and breakeven, every conventional gilt rather than only those inside ten years, the Bank of England's monthly averages of the savings and mortgage rates banks actually quoted (instant access, fixed bonds, cash ISAs, two to ten-year fixes at each loan-to-value, trackers, the revert rate), NS&I's product rates as a dated fact file, and the UK average house price with its annual change. RPI and CPIH sit beside CPI. Six new glossary entries — spot rate, index-linked gilt, real yield, breakeven inflation, forward rate — explain the words. All of it is information about what exists and what it pays, never a pick. See it →
Gilts priced off the whole curve, three times a day
The market page and the planner's gilt tables now use the Bank of England's full daily spot curve — every half-year point out to forty years — instead of three interpolated par yields. Each gilt is priced coupon by coupon at the rate for its own dates, the price shown is the clean price, and the yield to maturity is solved the way platforms quote it, so a low-coupon gilt and a high-coupon one of the same year no longer show the same figure. The curve is fetched at 07:20, 12:15 and 17:30 UTC on weekdays, so the previous close is on the site by lunchtime rather than days later, and the page shows both the date of the curve and when the Bank published it. A chart of the curve itself, for those who want to see it. See it →
Floor and upside, paste a statement, and the mortgage properly
Three things people asked for. Floor and upside: split spending into the essentials you could not cut and the rest, and the planner checks — year by year — whether income that never depends on markets (state pension, final-salary pensions, annuities) covers the floor for life, what a gilt ladder bridging the years before the state pension would cost today, and what an inflation-linked annuity covering any lasting gap would take; guardrails and spending rules now trim only the upside. Paste a statement: copy the text of a gov.uk State Pension forecast, a pension statement or a final-salary statement and the figures it recognises are listed to tick and add, all on your device. The mortgage: give it a rate, the years left, interest-only if it is, and when a fixed rate ends — the payment is then worked out properly, the interest total and end date appear, and a new stress test asks what a rate 3 points higher would do. See it →
Final-salary pensions, modelled
Defined-benefit schemes join the plan, entered the way the statement describes them: pension a year, optional lump sum, start age against the scheme's normal age (reduced early, uplifted late), inflation caps that genuinely bite in the high-inflation stress test, and the survivor's share through both deaths. The income counts as guaranteed, never enters the estate, and a new calculator answers the commutation question — take the bigger lump sum, or keep the pension? A guide explains what a final-salary promise is really worth, and why transfers are deliberately not analysed. See it →
A new look: first light
The site moved to warm paper, a dawn horizon and the gold sun of the mark; the landing page now opens with the question ("Will your money outlast you?"), live rates set into the horizon band, the every-start-since-1871 evidence chart, and three doors — building it up, retiring on it, passing it on — so every stage of a money life finds its way in. The planner shares the same warm palette. See it →
Encrypted sync between devices, and a full report
Optional sync: your data is encrypted on your device with a code only you hold — the storage address and the key are both derived from it one-way, so what is stored is unreadable and unfindable without the code. No account, no email; turning it off deletes the stored copy. And the printable report gained a Full version: the stress tests, the sums line by line, the survivor's position for couples, unused allowances and every assumption with its source. See it →
One year's money end to end, every start at once, and the plan on one line
Three new pictures in the planner: a Sankey diagram of any year's money — earnings, pensions and savings in; tax, living costs, mortgage and what is saved out; an overlay of £100 invested from every start year since 1871 (the worst 30-year start merely broke even in real terms; the best made 15 times); and a timeline of the whole plan — work, state pension, mortgage end, care and every one-off event on one age axis, where a click adds an event. See it →
Where should the next £1,000 go?
The UK money order of operations — cushion, expensive debt, employer match, pension vs LISA vs ISA, allowances, then the estate — as a guide, and inside the planner computed against your own figures, naming the first step that is not clearly covered. See it →
The safe withdrawal rate, from UK history
The 4% rule re-run on UK returns since 1871: the rate that survived every 30-year start is about 2.9% for a balanced mix, 4% failed roughly one start in four, and cautious mixes had worse worst cases than adventurous ones — inflation, not crashes, is what history punishes. Full tables by mix and retirement length, and a new heat map in the planner showing every start year and holding period at one glance. See it →
Every gilt inside ten years, priced daily
The planner's Gilts & cash tab and the new What the market pays today page now show the complete DMO register of conventional gilts maturing within ten years, with indicative yields and prices computed each weekday from the Bank of England curve, plus SONIA and a facts table comparing savings, money market funds and gilts. See it →
Which funds hold each risk level? — now a public page
The multi-asset funds whose mix matches each of the five risk levels, with ISINs and charges, and the index funds to build each level yourself — the planner's fund tables as a public page. Dated facts, unranked, never a recommendation. Sterling corporate bond index funds joined the building blocks. See it →
Plain English throughout
A glossary of the money words the site leans on — gilt, coupon, yield, drawdown, OCF, nil-rate band and twenty more — each defined in a sentence or two with a pound example. Inside the planner, dotted-underlined words show the definitions on tap, and the overview now reads as four short labelled lines with a link from every headline number to the chapter that derives it. See it →
A contact address
Questions and corrections: contact@moneyhorizon.co.uk. If a figure looks wrong, say which page and what you expected — every rule is dated, so it can be checked against the source. See it →
The public site
Money Horizon's answers became crawlable pages: guides to inheritance tax, gifts and the seven-year rule, pensions in the estate from 2027, the PLSA living standards and gilt ladders; a page per calculator with a worked example; and llms.txt for AI search engines. See it →
Will the money outlive you — and four spending rules
A chart of the chance you are alive and still funded at every age (ONS survival × resampled UK history), four withdrawal rules compared on the same plan (constant, percent of wealth, spread over years left, ratchet), a one-year tax threshold ladder, and PLSA living-standard targets one click from the income target. See it →
Investing by risk appetite
Six short questions give a risk level you can live with; the plan says what it can absorb; the suggested level is the lower of the two. Each of five levels carries real UK history since 1871 — worst year, worst decade, largest fall — translated into pounds for your own pot, and a Holding this level card shows the funds, building blocks and gilts that hold it, as dated facts. See it →
One answer, then the reasons, then the detail
Every page was re-laid as an answer card, the reasons behind it, and numbered chapters — with a Guided mode that opens one chapter at a time and an Everything mode for the old all-at-once view. A Discover page lists everything the planner can do, each with your own number once your figures are in. See it →
moneyhorizon.co.uk
The planner moved to its own domain, deploying automatically on every change. See it →
Nineteen calculators and a tax check
Single-question calculators on the same rules as the planner — take-home pay, the cost of £1 into a pension, annuity vs drawdown, gift clocks, capital gains, care affordability and more — plus a tax check that lists every allowance you are and are not using. See it →