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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How much do I need to retire at 60? (UK)
Is it feasible to retire at 60 and how much will I need? If you know you want to retire at 60 but are not sure what pot size to aim for, this page helps you work towards an answer. Enter your current savings (or a rough starting figure), your planned spending, and…
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Can I retire at 58 with £400k? (UK)
Is it feasible to retire at 58 with 400k? Retiring at 58 with a £400k pot sits in a common sweet spot: earlier than the classic 60, but not as stretched as stopping at 55. By 58 you can usually access your pension (typically from 57), so the early-retirement bridge…
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Can I Retire Calculator (UK)
When is it feasible for you to retire? The Can I Retire Calculator helps you estimate whether your current savings, pensions, investments, and future income may be enough to support retirement at your chosen age. By combining your retirement pot, expected spending, State Pension, and other key assumptions, the calculator…
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Pension Drawdown Tax Calculator (UK)
What is the Pension Drawdown Tax Calculator? The Pension Drawdown Tax Calculator helps you estimate how pension withdrawals may translate into taxable income, net income, and remaining pot value during retirement. It is designed for people already retired or already drawing from a pension, especially those using flexi-access drawdown or…
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Tax-Year End Allowance Optimiser Calculator (UK)
What is the Tax-Year End Allowance Optimiser? The Tax-Year End Allowance Optimiser helps you see which UK tax allowances you may still have available before the tax year ends on the 5th of April. It brings together ISAs, pensions, Capital Gains Tax allowances, dividend income, savings interest, and other common…
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Capital Gains Harvesting / Bed-and-ISA Calculator (UK)
What is the Capital Gains Harvesting / Bed-and-ISA Calculator? The Capital Gains Harvesting / Bed-and-ISA Calculator helps UK investors understand how much of a taxable investment portfolio could potentially be sold, re-wrapped into an ISA, and managed within Capital Gains Tax allowances. It is designed for people with investments held…