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.
-
The Latte Factor Calculator (UK)
What is The Latte Factor Calculator? The Latte Factor Calculator helps you see how a small regular spend could grow if you redirected it into investing instead. It takes a daily amount, turns it into a monthly investment, and projects how it could build over time through compound growth. This…
-
How Can I Make a Million Pounds Calculator (UK)
What is the How Can I Make a Million Pounds Calculator? The How Can I Make a Million Pounds Calculator helps you map out a realistic path to building a £1 million investment portfolio. It compares three simple strategies, investing through an ISA, investing through a pension, or splitting contributions…
-
Business Sale Retirement Calculator (UK)
What is the Business Sale Retirement Calculator? The Business Sale Retirement Calculator helps you explore whether the proceeds from selling a business could support your retirement plans. It starts with a simplified asset disposal tax sketch on the sale, then combines the estimated net proceeds with your existing pensions, ISAs,…
-
GIA vs ISA vs Pension Comparison Calculator (UK)
What is the GIA vs ISA vs Pension Comparison Calculator? The GIA vs ISA vs Pension Comparison Calculator helps you compare three common UK investment wrappers using the same annual saving habit: a general investment account, a Stocks & Shares ISA, and a pension. It is designed to show how…
-
Single vs Couple Retirement Spending Calculator (UK)
What is the Single vs Couple Retirement Spending Calculator? The Single vs Couple Retirement Spending Calculator helps you understand how retirement finances differ when planning as a single person, as a couple, and in the event that circumstances change later in life. It shows how spending, assets and income evolve…
-
Inflation Impact on Long-Term Spending Calculator
What is the Inflation Impact on Long-Term Spending Tool? The Inflation Impact on Long-Term Spending Tool shows how inflation affects your spending over time. It projects how today’s spending grows in future pounds, highlights the cumulative cost across decades, and compares different inflation assumptions so you can see how small…