✓ Free, no signup✓ Saved in your browser✓ 2025/26 rates
60sec
To set up
90sec
Monthly check-in
£0
To use
3
Wealth pillars
🌿
Set up your pulse check
Six numbers. 30 seconds. Then we'll tell you if everything's alright.
Your age
35
Annual income
£60,000
Gross, before tax.
Pension pot(s)
£30k
All workplace + personal pensions combined.
Monthly contribution (you + employer)
£400/mo
Target retirement age
67
Growth assumption
Real returns, after inflation.
🏠
I own a home
Home value
£300k
Mortgage remaining
£200k
Monthly payment
£1,200/mo
Mortgage rate
4.5%
Years left
22 yrs
📈
I invest in a stocks & shares ISA
Current ISA value
£0
Monthly ISA contribution
£200/mo
ISA allowance is £20,000/yr (~£1,667/mo max).
Your data stays in your browser. Nothing is sent anywhere.
🌿
0%
📈 Your stocks & shares ISA
ISA growth is tax-free and withdrawals are tax-free. Unlike pensions, there is no age restriction — making ISAs the key tool for retiring before 57.
🏠 Your home & total wealth
Home equity is wealth you own, but it is not spendable retirement income unless you downsize or use equity release. Your retirement income projection counts only your pension and State Pension.