Core Planning Tools
Essential tools for tax optimisation, lifestyle planning, and risk assessment. These calculators help you understand your tax position, plan your spending, and assess how robust your retirement plan is.
💼UK Tax Efficiency
UK tax rules offer various allowances and tax-efficient wrappers to help you keep more of your returns. These calculators help you understand your marginal tax rate, compare pension vs ISA strategies, and optimise your tax position.
📊How these calculators help
Our Core Planning Tools cover tax optimisation, lifestyle planning, and risk assessment. They help you understand your tax position, plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
Your Core Planning Journey
A comprehensive planning approach involves understanding your tax position, planning your spending, and assessing risks. Use our calculators to build a complete picture.
Understand Your Tax Position
Use the Marginal Tax Rate Calculator to see your effective tax rate and the Pension vs ISA Comparison Calculator to optimise your savings strategy.
Plan Your Spending
Model your retirement spending with the Single vs Couple Retirement Spending Calculator and understand how inflation affects long-term spending.
Assess Longevity Risk
Understand how long your savings need to last with the Longevity Risk Calculator and Mortality Curve Forecaster.
Stress-Test Your Plan
Use the Probability of Running Out of Money Calculator and Lumpy Returns Calculator to see how robust your plan is under different scenarios.
Start with these popular calculators
These six tools are the best starting point for understanding your tax position, planning your spending, and assessing retirement risks. They help you optimise your strategy and see how robust your plan is.
Pension vs ISA Comparison Calculator
Compare pension and ISA strategies side by side. See how tax relief, access age, and withdrawal rules affect your retirement outcomes and find the optimal mix for your situation.
Marginal Tax Rate Calculator
Calculate your effective marginal tax rate including income tax, National Insurance, and benefit withdrawal rates. Understand the true cost of earning more or withdrawing from different accounts.
Longevity Risk Calculator
Model how long your retirement savings might need to last. Understand longevity risk and see how planning for different lifespans affects your retirement strategy and withdrawal rates.
Probability of Running Out of Money Calculator
Model the probability that your retirement savings might run out. Understand sequence risk and see how different withdrawal rates and market conditions affect your plan’s robustness.
Single vs Couple Retirement Spending Calculator
Compare retirement spending for single people versus couples. Understand how household size affects your retirement needs and see the cost difference between living alone and as a couple.
High Income Child Benefit Charge Calculator
Calculate how the High Income Child Benefit Charge affects your take-home pay. See the effective tax rate on income between £50,000 and £60,000 and understand how pension contributions can reduce the charge.
Getting Started with Core Planning Tools
New to retirement planning? Follow this step-by-step guide to start understanding your tax position, planning your spending, and assessing risks.
- Understand your tax position – Use the Marginal Tax Rate Calculator to see your effective tax rate and identify optimisation opportunities.
- Compare savings strategies – Use the Pension vs ISA Comparison Calculator to find the optimal mix of tax-efficient wrappers for your situation.
- Plan your spending – Use the Single vs Couple Retirement Spending Calculator to estimate your retirement needs.
- Assess longevity risk – Use the Longevity Risk Calculator and Mortality Curve Forecaster to understand how long your savings need to last.
- Stress-test your plan – Use the Probability of Running Out of Money Calculator to see how robust your plan is under different scenarios.
- Refine your strategy – Use other calculators to understand inflation impacts, model lumpy returns, and explore how tax optimisation fits with your overall retirement plan.
All Core Planning Tools calculators
Browse all Core Planning Tools calculators. These tools help you understand your tax position, plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
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Buy, Borrow, Die Calculator (UK)
What is the Buy / Borrow / Die Calculator? The Buy / Borrow / Die Calculator is an illustrative UK planning tool that compares two ways of funding yearly spending from an investment portfolio. One path models borrowing against investments while allowing the portfolio to continue growing. The other models…
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Home Bias vs Global Equity Calculator (UK)
What is the Home Bias vs Global Equity Calculator? The Home Bias vs Global Equity Calculator helps you compare three simple equity investing approaches: all UK shares, an all global portfolio, and your own UK/global mix. It is designed for UK investors who want to understand how “home bias” can…
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ISA Regular Contributions Calculator (UK)
What is the ISA Regular Contributions Calculator? The ISA Regular Contributions Calculator helps you estimate how regular monthly investing into a Stocks and Shares ISA could build up over the rest of the current tax year. It is designed for people planning ISA top-ups before the 5 April tax-year deadline,…
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ISA Millionaire Timeline Calculator (UK)
What is the ISA Millionaire Timeline Calculator? The ISA Millionaire Timeline Calculator shows how long it could take to build a £1,000,000 portfolio inside a Stocks and Shares ISA. It is built around UK ISA rules and focuses on one simple question: if you invest regularly and earn a steady…
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Financial Runway Calculator (UK)
What is the Financial Runway Calculator? The Financial Runway Calculator helps you estimate how long your accessible money could last while you explore a life or career change. It is designed for people thinking about a sabbatical, part-time work, retraining, starting a business, or simply creating more breathing room. By…
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State Pension NI Top-Up Breakeven Calculator (UK)
What is the State Pension NI Top-Up Breakeven Calculator? The State Pension NI Top-Up Breakeven Calculator helps you explore whether paying for missing National Insurance years could increase your State Pension enough to justify the upfront cost. It is designed for people considering voluntary Class 3 NI contributions and wanting…