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Pensions and income
Model DC pensions, DB pensions, State Pension, annuities, employment, rental-property income and other recurring income.
UK retirement modelling for couples
Plan retirement. Test the assumptions. Understand the trade-offs.
Pension Planner brings pensions, investments, tax, spending and future events into one coherent retirement forecast. Compare scenarios, explore tax-efficient withdrawals and understand how resilient a plan may be under different investment outcomes.
One model for the main retirement decisions
Pension Planner is designed as a what-if laboratory rather than a black-box recommendation engine.
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Tax-aware withdrawals
Compare manual funding with a tax-efficient household strategy across both partners and account types.
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GIA modelling
Track pooled acquisition cost, dividends, realised gains and modelled Capital Gains Tax.
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Monte Carlo
Stress-test retirement funding across many simulated return paths.
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Sustainable spending
Explore an earlier-retirement spending level consistent with a selected modelled success target.
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Tax-Year Precision
Use DOBs, valuation dates and exact event dates to place cash flows into UK tax years.
Designed to make the model inspectable
Dashboard, charts, Annual Detail, Model Health and PDF reports help explain not only whether a scenario works, but why.
Important: Pension Planner is a modelling tool, not a financial adviser. Results depend on the assumptions and information entered.