Everything you need to plan your money
UK-focused projections, what-if scenarios, and tools that actually understand pensions, tax and housing.
Rank the ways you could use your money
Optimise tries different versions of your plan: how much of your salary goes into your pension, which accounts your spare money fills each month and in what order, and how much each one takes. It ranks them by projected net worth from your own figures, with your current plan in the list so you can see where it places.
Test a decision before you make it
Fork your plan in the what-if simulator, change what you like, and compare it side by side with today's projection.
See how early you could retire
Find out what retiring early does to your money. There's a slider each for you and your partner, so you can move one or both. The chart redraws next to your saved plan, and a line underneath says whether the money lasts, or the age it runs out at.
See how each year changes your net worth
Each year of your plan shows what moves your net worth: what you earn, the tax you pay, what you spend, how much your savings, investments, pension, property and any company you own grow, and what inflation takes off. Dots on the timeline mark the years where something changes, like a new child, retiring or paying off the mortgage.
See your future money, year by year
A living timeline of income, spending, tax, savings and net worth from today through retirement, which updates with every change.
UK tax built in, not bolted on
Income tax bands, NI, capital gains and dividend allowances are all wired into every projection. No US defaults to override.
Pension planning that makes sense
Track workplace pensions, SIPPs and state pension in one place. Forecast state pension, compare SIPP vs ISA outcomes.
Mortgage, rent, stamp duty and buy-to-let
Model repayments, overpayments, stamp duty, rent-vs-buy trade-offs, and buy-to-let mortgages, with different tax treatment for individual landlords (Section 24) and limited companies (Corporation Tax).
Plan as a couple
Add a partner with their own salary, pension and tax. See combined projections and how decisions affect the household.
Kids, career breaks and life changes
Model the cost of children, private school, career breaks and salary changes, and see the ripple effects across the whole plan.
Model and explore investment scenarios
Model ISAs, GIAs and other accounts with different allocations. See how market downturns could affect your projections.
