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Model a DB pension alongside DC pots: specify the start age, revaluation rate, commutation option, and survivor fraction. Crucial for public-sector workers who often have both types.

Model CGT and dividend tax on unwrapped (general investment account) holdings, so plans with a lot of wealth outside ISA and pension are accurate.

Model what happens to income, pots and tax when one of a couple dies before the end of the plan, instead of projecting both to the end.

Plan the years between stopping work and being able to access your pension (age 57 from April 2028). How much do you need in ISAs or cash to bridge that gap?

Scotland has its own income tax bands and rates. Apply the correct Scottish bands automatically when a user indicates they live in Scotland.

Model the 25% government bonus, the withdrawal rules, and whether a LISA is better used for a first home or retirement. Show the trade-off clearly.

From April 2027, unused DC pension pots enter the estate for IHT. Show the projected estate value and estimated IHT at retirement and beyond.

Show a range of outcomes (optimistic, central, and cautious) instead of a single deterministic path. Helps understand how bad a sequence of poor early returns could be.

Add a late-retirement care-cost phase: a realistic estimate of residential or home-care costs and how long the pot needs to cover them.

Illustrate the effective 60% marginal rate in the £100k–£125k band (lost personal allowance) and show the pension contribution or salary-sacrifice amount that avoids it.

Flag when a high earner's pension contributions approach the annual allowance or the tapered annual allowance kicks in, with a clear explanation of the maths.

Show which wrapper to draw from first (ISA, DC pension, GIA) to minimise tax across retirement. Illustrated as a guide, not regulated advice: 'here is the logic, you decide.'

Your financial figures never leave your device. No account required, no data sent to a server. Privacy guaranteed by how the tool is built, not just by policy.

Factor in gaps in your National Insurance record and show how many qualifying years you have vs the 35 needed for the full amount. Link to the gov.uk NI forecast.

Model two people together: separate pension pots, separate retirement dates, proper UK tax for each person, and a combined household verdict. Most free tools only handle one person.

Every projection assumption (growth rate, inflation, charges, state pension, retirement age) is visible and adjustable. No black box. See the maths and change what you disagree with.