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MyFinanceFuture
Build your own financial plan
A financial planning platform for people who want to take control of their future
A new tool making financial planning available to a wider audience
We believe everyone should have the opportunity to create a strong financial plan for their future. To answer their big questions with more confidence, based on strong foundations. The MyFinanceFuture Planner is there to help you create your plan, and to find a better way to prepare for your future.
43%
of those aged 50-65 with
no retirement plan[1]
no retirement plan[1]
£61k
annual income per couple required for a
‘comfortable’ retirement[2]
‘comfortable’ retirement[2]
6 million
UK adults in the 'Affordable Advice Gap'[3]
[1] UK Adult Financial Wellbeing Survey 2021 Future Focus Report (Money & Pensions Service, October 2022)
[2] The PLSA/Loughborough University Retirement Living Standards 2025 (Pension & Lifetime Savings Association, June 2025)
[3] The UK Advice Gap 2021 (OpenMoney, 2021)
Answer your most important financial questions
Big questions about the future become important at key decision points in our lives. Which are yours?
HOW WILL I FUND MY RETIREMENT?
Perhaps the question we're most often asked, it’s about how to use pensions, savings and other investments to fund retirement spending. So, which withdrawal strategy to choose for flexibility and to reduce tax? When and how much to downsize or release home equity, if needed? The Planner helps you explore the options and visualise your strategy.
WHAT LIFESTYLE CAN I EXPECT?
Most people are interested in whether their future lifestyle expectations will be met, though may not be sure what this means in practice. The Planner helps you understand and model different phases of spending (e.g. kids' school years; empty nest; early retirement; later life) so you can assess how they should be funded.
AM I SAVING ENOUGH?
This is many people’s first question, and is linked to plans for retirement timing and lifestyle. The answer is in finding the balance between: lifestyle and savings now; retirement timing; and lifestyle in retirement. The Planner can help you understand the trade-offs and make plans to save appropriately for the future.
WHEN CAN I RETIRE?
Retirement is less clear-cut these days, with many different paths being taken in later life. Whether you plan a traditional retirement, to carry on working, to downshift or go part time, or to switch to a different type of work altogether, the Planner can help you understand the financial implications and when your intended transition should be possible.
HOW SHOULD I USE MY PENSION?
The UK pension freedoms introduced in 2015 opened up a new range of pension income choices. Options include flexible income drawdown, annuities, tax-free and taxable cash lump sums, and combinations of some or all of these. The Planner allows you to compare different options to help decide which works best for you.
CAN I PAY LESS TAX?
Most of us want the reassurance that we won't pay unnecessary tax. The Planner can help you make plans to achieve this, since it has UK tax rules and calculations built-in (including income and pensions, CGT and IHT) and helps you understand the tax implications of different options so you can reduce your lifetime tax bill.
WILL I RUN OUT OF MONEY?
The risk of running out of money is the greatest fear for many making big decisions about the future, and things may not turn out as we hope they will. The Planner lets you try out different scenarios (e.g. poor market conditions; early redundancy; unexpected expenses etc.) to see whether adverse events would cause a shortfall, and adjust your plans in response.
CAN I AFFORD TO GO PART TIME?
Many would love to go part-time to pursue second careers or other interests or to spend more time with family, but aren't sure how this would affect later retirement plans. The Planner can help you decide whether and when a move to part-time working could be affordable.
HOW MUCH MORE SHOULD I SAVE?
Many people recognise a need to increase retirement provision in their 40s, 50s or 60s. But how much more should they save ? The Planner can help you answer this question so you can save approprately for the future without unnecessarily compromising the present.
CAN I FUND MY KIDS’ EDUCATION?
A decision to fund your children's education is a multi-year commitment, with important considerations for you and your family. The Planner can help you understand the financial implications in the medium and longer term, so you can make a better-informed decision.
WILL I BE ABLE TO AFFORD MY BUCKET LIST?
Many of us have big plans for retirement, some of which may need significant funds to realise and so need to be planned for. The Planner allows you to model one-off cost items both now and in retirement, to help you decide whether your plans are affordable.
WHAT LEGACY CAN I LEAVE MY FAMILY?
For those hoping to leave a legacy, inheritance planning can enable assets to be passed on in a tax-efficient way. The Planner helps you estimate your legacy, assess gifting options and calculate your projected IHT bill to help you work out how this can be achieved as part of your plan.
Take everything into account
The MyFinanceFuture Planner provides a straightforward, step-by-step way to create a plan covering all your finances.
Earnings
Employments, side hustles, job changes, downshifts
Taxes
UK taxes calculated for you (Income Tax, NI, CGT, IHT)
Pensions
DB, DC & state pensions, withdrawal options
Savings & Investments
Cash savings, ISAs, taxable investments, prioritisation
Home
Homes, other properties, downsizing, home equity release
Business
Family businesses & service companies, dividends, sale
Buy-to-Let
Rental income, mortgages, expenses, disposals
Debt
Mortgages, loans, other debts
Other Income
Benefits, annuities etc.
Living Expenses
Core expenses, pre-retirement, post-retirement, later life
Life Events
Education, travel, family events,gifts, other one-off expenses
Economy
Interest rates, investment returns, inflation, tax thresholds ... and many other factors
Easy to get started
Your first plan in 5 minutes.
Use Quick Plan to get started and create your first plans. Our Planning Guide and detailed Help and Support can help guide you to your answers.
1. CREATE YOUR PLAN
Use Quick Plan to create your first plan in 5 minutes, get an initial financial projection and understand how financial planning can help.
2. SHAPE YOUR PLAN TO ACHIEVE YOUR GOALS
Shape and refine your plan to balance incomes and outgoings, address shortfalls and achieve your desired outcomes.
3. REFINE AND TEST YOUR PLAN
Test and adjust the plan to deal with different scenarios, such as economic downturns and unplanned life events.
Ask our users what they think
Some of the feedback we’ve received from customers of the Planner
“I commend you on the Planner … it’s given me the confidence to move on with the next phase of my life”
“Really enjoying the Planner, it's just what I've been looking for! Thanks too for the very responsive help”
“Just to say how impressed I am with the Planner, after trying to do this myself for a few years. Great stuff!”
“The Planner will become a vital tool and support as I move on from my current career to new ventures”
“Love it … gives me an easy way to work out my income in retirement”
“Great for people like me who don’t want to pay a fortune to advisers when we can plan for ourselves with the right software”
“I just wanted to tell you how great your product is! Thanks again - I’ll keep on recommending it!”
“I’m very much enjoying the Planner! I'm really glad I found it as I couldn't find any others not tied to a financial adviser”
Feedback received from customers since launch and from our preceding free pilot
... or ask a professional Financial Planner
“For years, the power of financial planning software remained the best-kept secret of professional financial planners.
I’m really excited this type of planning tool is now available to everyone.”
Justin King
Chartered Financial Planner &
“The Retirement Café” YouTube
Channel & Podcast
“The Retirement Café” YouTube
Channel & Podcast
Find out more
Take a more in-depth look at the Planner’s Features, or see our Resources section for more thoughts, views and tips on financial planning
A tricky question facing us in our 40s, 50s or 60s that new, more affordable tools and services are making it easier to deal with.
Read our blog post to understand what Cashflow Planning is all about, how it can be used to answer important financial questions, and why this financial advisers' "power tool" should be a key part of your Financial Planning toolset
Financial planning is important for us all, but can seem daunting at first. Using Quick Plan to 'learn by doing' is a great place to start.
LAUNCH THE PLANNER