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What this can do

Twenty-seven things Money Horizon does, each with your own number once you have entered your figures, and each a link into the page where it lives.

Open in Money Horizon Start with the example household

Find the income your plan sustainsThe most you can spend a year to your horizon

Run the stress testsPoor first decade, 1973 and 2000 replays, care costs, lower growth

Retire earlier or laterWhat each year does to sustainable income

Choose the order to draw moneyPension, ISA, cash — and what each order costs in tax

Set a cash bucket and guardrailsYears of income in cash; cut spending when the pot falls

Check the floor is coveredEssentials against guaranteed income, for life

Solve for a pot at an ageWhat to save to reach a pot goal

See the bill at every ageInheritance tax if you died this year, or at your horizon

Find the safe amount to giveThe most you can give each year without hurting the plan

Track gifts and the 7-year clocksEvery gift, its taper and when it drops out

Check the £2m taperWhen the home allowance starts to shrink

Model a couple and two deathsSpouse exemption, transferred bands, survivor income

Rank every action by what it savesTwelve levers, each with a switch

Find allowances you are not usingISA, pension, carry-forward, marriage, dividend…

Compare paying off the mortgage with investingAfter tax, over the years left

Find your risk levelSix questions plus what the plan can absorb

See funds that hold your levelReady-made ranges and building blocks, with charges

Build a gilt ladderA known sum each year, priced off today's yields, tax-free gains

See what fees cost over a lifetimeEvery 0.1% a year, in pounds at your horizon

Replay history on your plan1871–2020: worst decade, worst start, a 2008 year in pounds

Track your own returnMoney-weighted, from the values you save each review

Save and compare plansSide by side: tax, heirs receive, sustainable income

Use 19 calculatorsTake-home, annuity vs drawdown, CGT on a sale, life expectancy…

See the chance the money outlives youAlive and funded, alive and short, or no longer alive — by age, from hundreds of futures

Compare four spending rulesConstant, percent of wealth, spread over the years left, ratchet

See this year's tax thresholdsIncome against the lines that change what the next pound costs

Paste a statement to fill the figuresA State Pension forecast, a pension statement or a final-salary statement, read on your device

Put the dates that matter in your calendar5 April, the next review, every 7-year gift clock, state pension and retirement years — as an .ics file

Add the childrenSchool fees, university, a deposit and a Junior ISA, in the years they fall

Print a one-page reportFor a partner or an adviser: the four answers, the charts, the actions

Check state pension top-upsWhether buying missing years pays back

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.