Interactive tool · Financial Future Explorer

What could your financial future look like?

Bring your income, spending, accessible assets, pensions, home, mortgage and life events together in one interactive financial timeline.

1 Enter your figures2 Review assumptions3 Explore the result

Your starting point

The example updates immediately as you replace it with your figures. Start with the six essentials; everything else is optional.

1. Six essentials

Current age

Employment income stops at age

Monthly take-home incomeAfter taxMonthly household spendingAccessible savings and investmentsCurrent pension value

Refine the projection

2. Contributions and retirement

Share of accessible assets held as cash

Total monthly pension contributionIncluding employer contributionsMonthly retirement income outside these assetsFor example, State or defined-benefit pension

Spending after employment income stops

Projection ends at age

3. Modelling conventions

Cash reserve before investing surplus

Pension access age

Estimated share kept after pension withdrawal tax

Add your home and mortgage

Include a primary residenceHome equity is shown separately and is never used to fund spending unless you add a sale or downsizing event.

Life events

Put important changes on the timeline.

TypeAmount£

Age 45

No account required

Keep the plan only if you choose to.

The working plan remains in this tab. Optional saving uses this browser only. Nothing is sent to Money Considered.

Illustrative projection

Explore the shape of your financial future.

At age 60£945,853Financial assets

At age 95£1,105,104Financial assets

Modelled shortfallNot shownThrough age 95

Stress the plan

See how one disruption changes the path.

Financial timeline

What the plan contains over time

Compare a different retirement ageOverlay one alternative without changing the baseline.

Inspect the projection at age 60

Values in today’s money£945,853

Selected year

Age 60

Retirement-income phase

Cash

£0

Investments

£648,503

Pension

£297,350

Modelled annual income £21,705Modelled annual spending £59,037Difference -£37,332

Assumptions used in the central scenario

Cash return: 2.5% a year.
Investment and pension return: 5% a year.
Inflation: 2.5% a year; employment income growth: 2.5% a year.
Surplus first fills the selected cash reserve, then goes to investments.
Shortfalls use cash, then investments, then accessible pension assets.

This is a deterministic illustration, not a forecast or probability. Investment returns, inflation, income, spending and tax will vary.