Start with where you are
Add your age, savings, contributions and the monthly income you have in mind.
YOUR FUTURE. A CLEARER PICTURE.
Make room for
the life ahead.
Explore when you could stop working, what your savings might provide, and the choices that could shape your retirement.
No card for Free · No appointment · Your own assumptions
Illustrative planning, not investment advice. Future returns and income are not guaranteed.
Your retirement, in perspectiveFICTIONAL EXAMPLE
ONE CHOICE. A DIFFERENT PICTURE.
What changes if I retire earlier?
Age 45Pension £180kCash & ISA £80k
Retire at 57Total savings · future pounds
Pension at 57—
Savings needed before 57—
Loading the existing fictional example…
See the example and assumptionsA planning tool for your next chapter.
Assumptions you can understand Early-retirement bridge planning Plan files stay on your device
FROM QUESTIONS TO A PICTUREA little clarity.
A little clarity.
A lot to look forward to.
You don’t need a perfect plan to begin. Start with a few numbers, then explore the detail at your own pace.
See how it could unfold
Follow the projection. Switch between today’s money and future pounds to understand what the numbers mean.
Explore what could change
Add detail with Silver, or compare alternative dates and assumptions with Gold. Save your plan to return to later.
MORE THAN ONE NUMBERThe questions worth
The questions worth
spending time on.
Bring your pension, accessible savings and future income into one picture—with the assumptions visible.
Explore your retirement date
See how stopping work earlier or later changes the picture. Keep pension access and your chosen withdrawal age separate.
Gold comparisonsPlan the years in between
Understand the accessible savings you may need between stopping work and drawing your pension.
Silver & GoldCompare different futures
Explore investment mixes, market-stress scenarios, spending and contribution choices—not just one smooth line.
Gold comparisonsTake the picture with you
Download a clear plan summary. Save your inputs on your own device and return to them later.
Save/Load in every planBEGIN SIMPLY. GO FURTHER WHEN YOU’RE READY.
Your plan. Your pace.
Start free. Silver and Gold are one-time passes, not subscriptions.
Checking current offers. Free planning is available; purchase availability is confirmed in Plans & access.
Free
Retirement SnapshotStart with a clearer picture.
£0No time limit
No card or purchase needed.
Start free- Basic inputs and a retirement overview
- Central retirement projection
- Today’s money / future pounds
- Save and load your plan file
Silver
Retirement PlanBuild a more detailed plan.
£2990 days of access
One payment. No automatic renewal.
View Silver offer- Everything in Free
- Detailed inputs and annual cashflow
- Early-retirement bridge and pension target
- Choose your investment assumptions
- One-page summary and Essential PDF
FOR EXPLORING YOUR OPTIONS
Gold
Complete PlannerExplore the choices that matter.
£49365 days of access
One payment. No automatic renewal.
View Gold offer- Everything in Silver
- Automatic investment-strategy comparisons
- Retirement-age and contribution analysis
- Market, inflation and care-cost scenarios
- Side-by-side plans and all four reports
A simple step from Silver to Gold.
Upgrade an active £29 Silver pass for £20. Gold ends 365 days after your original Silver payment. Prices are in GBP; review the complete offer before paying.
View plans & accessCurrent offer: a 14-day cancellation period; lawful proportionate early-service deductions may apply. Statutory rights remain. Purchases are available only after the operator opens sales.
FutureRetirePLANNERA clearer view,
kept for later.
01 Your overview02 Your income timeline03 Your assumptionsLayout illustration—not a financial resultCLARITY YOU CAN COME BACK TONot just a chart.
Not just a chart.
A conversation starter.
Keep a one-page summary or a more detailed report. Review your assumptions, revisit your plans, or use the figures as a starting point for a conversation with a qualified adviser.
Silver includes the one-page summary and Essential report. Gold includes all four reports and detailed appendices.
Sample PDFs currently carry the earlier Future Freedom Planner name.GOOD QUESTIONSBefore you
Before you
begin.
A few things worth knowing. The full guide explains the inputs, access and model limits in more detail.
Read the full FAQIs this financial advice?
No. FutureRetire Planner is an educational calculator. You choose the inputs and assumptions. It does not recommend a specific investment, pension or financial product. Results are estimates, not guarantees.
Who is the current release for?
Paid planning is for an individual resident in England, Wales or Northern Ireland throughout the plan, using UK pension and savings assumptions and spending in GBP. Scotland, overseas residence, household planning and moves between tax regions need separate assessment. Foreign public pensions can be entered as gross GBP amounts, but this does not add support for another country’s tax rules.
Can I use it before deciding to pay?
Yes. Free includes basic inputs, a retirement overview, a central projection and Save/Load. There is also a fictional worked example to explore without signing up. Silver and Gold add the detailed planning tools described above.
Will my pass renew automatically?
No. Silver gives 90 days and Gold gives 365 days from confirmed payment. Both are one-time purchases. You can edit and rerun your plan during the access period.
Can I upgrade from Silver to Gold?
An active £29 Silver purchase can be upgraded for £20. The upgraded Gold access ends 365 days after the original Silver payment, not 365 days after the upgrade. Checkout and eligibility are checked in Plans & access.
Where are my planning figures stored?
Your plan is processed by the calculation server, but the planner does not save a copy in its customer database. Save plan downloads an unencrypted file to your own device. Payment, verified-browser, email-provider, hosting and support records can still contain personal data. Read the privacy notice for the full details.
What happens after I buy?
Use the email address from your checkout to verify browser access. A pass can register two browsers, with the planning tools active in one at a time. Use Plans & access to restore access or manage browsers.
What about refunds?
Use Free and sample reports before buying. There is no additional satisfaction guarantee. A 14-day cancellation period and statutory remedies apply; lawful proportionate early-service deductions may apply. Read Cancellation and Refunds before buying.
A clear scope. No promises about the future.
This release is designed for an individual resident in England, Wales or Northern Ireland throughout the plan, using UK pension and savings assumptions and spending in GBP. Scotland, overseas residence and changing tax regions need a separate model.
Calculations and reports are processed on the server without storing your plan in the customer database. Access, payment, hosting and email services still process some personal data.
Read the model limits, terms and privacy noticeYOUR NEXT CHAPTER STARTS WITH A QUESTIONWhat could your
What could your
retirement look like?
Begin with the free snapshot. Add the detail when you’re ready.
Explore your free plan