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Features
Versions
The Planner is available in the following versions:
Basic
Create an initial view of your financial future
Free
✔
Create an outline plan in 5 minutes
✔
Review projections for cashflow and assets, identify shortfalls
✔
Explore some key retirement options
✔
Try out Premium using our ‘demo’ plans
Premium
Build your own, personalised financial plan
£95 for a year's Premium access
Use the full power of the Planner to create a personalised plan
Review all aspects of your projection in detail, identify and resolve shortfalls
Explore a broad range of options for retirement and other financial objectives
Test the resilience of your plan to changes in taxation and the economy
Review and explore ways to reduce your projected lifetime tax bill
See your projected legacy and explore ways to reduce your inheritance tax bill
LEARN MOREDetailed Features List
| Basic | Premium | |
|---|---|---|
| Plan Management | ||
| Create Plans | ✔ | ✔ |
| Copy, Rename, Set Active & Delete Plans | ✔ | ✔ |
| Multiple Plans | ✔ | ✔ |
| Quick Plans (Mobile & Desktop) | ||
| Inputs | ||
| Family: Individual, Married / Civil Partner, Children | ✔ | ✔ |
| Home: Main Home & Mortgage | ✔ | ✔ |
| Other Property / Net Assets / Income: Total Value & Income | ✔ | ✔ |
| Savings & Investments: Cash Savings, Taxable Investments, ISAs, DC Pensions | ✔ | ✔ |
| Earnings: Current Employment & Retirement Date | ✔ | ✔ |
| Spending: Current & Retirement | ✔ | ✔ |
| DB Pensions: Future Income / Lump Sum & Pension Date | ✔ | ✔ |
| Default Values | ||
| Workplace DC Pension Contributions, Future Pension Options | ✔ | ✔ |
| State Pension, Child Benefit (First Child), Retirement Spending | ✔ | ✔ |
| Contribution & Withdrawal Strategies for Cash, Pensions & Investments | ✔ | ✔ |
| Inflation, Returns & UK / English Tax Assumptions | ✔ | ✔ |
| Switch to Full | ||
| Populate Full Plan with Quick Plan Inputs & Default Values | ✔ | |
| Review Process to Accept / Edit Default Values | ✔ | |
| Full Plans (Desktop) | ||
| Family | ||
| Individual | ✔ | |
| Married / Civil Partner | ✔ | |
| Children | ✔ | |
| Cohabiting partner | ✔ | |
| Specify life expectancy (for self & partner) | ✔ | |
| Assets & Debts | ||
| Homes | ||
| Current Main Home | ✔ | |
| Current Mortgage on Main Home | ✔ | |
| Current Second / Additional Homes | ✔ | |
| Current Mortgage on Second / Additional Homes | ✔ | |
| Specify Individual or Joint Ownership and Ownership % | ✔ | |
| Home Disposal (Sale / Gift) | ✔ | |
| Move Home (Downsize) | ✔ | |
| Early Mortgage Repayment | ✔ | |
| Retirement Interest-Only Mortgage | ✔ | |
| Equity Release (Lifetime Mortgage) | ✔ | |
| Rental Properties | ||
| Current Residential/Commercial Rental Properties | ✔ | |
| Current Rental Income & Maintenance Expenses | ✔ | |
| Property Disposal (Sale/Gift) | ✔ | |
| Current Buy-to-Let Mortgages | ✔ | |
| Business Assets | ||
| Current Business Assets, Dividend Income & Disposals | ✔ | |
| Specify Assets Qualifying for BAD Relief (CGT) & 100% APR/BPR (IHT) | ✔ | |
| Other Assets & Debts | ||
| Current Personal Valuables | ✔ | |
| Current Household Assets | ✔ | |
| Asset Disposal Options (Sale / Gift) | ✔ | |
| Current Unsecured Debt Balance (Overdraft / Personal Loan / Credit Card) | ✔ | |
| Early Debt Repayment | ✔ | |
| Earnings & Pensions | ||
| Employment | ||
| Current Primary Employment / Self-Employment | ✔ | |
| Multiple Employments / Self-Employments | ✔ | |
| Future Changes in Employment (Promotions / Downshifts / Career Breaks) | ✔ | |
| Workplace Defined Contribution (DC) Pensions | ||
| DC Pension Contributions from Earnings | ✔ | |
| Specify Net Pay / Relief-at-Source / Salary Sacrifice | ✔ | |
| Specify Pensionable Earnings / Qualifying (Auto-Enrolment) Earnings | ✔ | |
| Workplace Defined Benefit (DB) Pensions | ||
| Active Workplace DB Pensions | ✔ | |
| Deferred Workplace DB Pensions | ✔ | |
| In-Payment Workplace DB Pensions | ✔ | |
| DB Pension Contributions from Earnings | ✔ | |
| Additional Voluntary Contribution (AVC) Schemes | ✔ | |
| DB Pension Benefits | ||
| Use Own Pension Quotation | ✔ | |
| Automatic Benefit Projection for Active DB Pensions | ✔ | |
| Specify Career Average Revalued Earnings (CARE) / Final Salary basis | ✔ | |
| Options for Commuting Pension Income to Cash Lump Sum | ✔ | |
| State Pension Deduction | ✔ | |
| AVC Scheme Linked to DB Pension for Tax-Free Cash Rights | ✔ | |
| State Pension | ||
| Current/Future State Pension | ✔ | |
| Savings & Investments | ||
| Account Types | ||
| Cash Savings | ✔ | |
| Taxable Investments | ✔ | |
| ISAs | ✔ | |
| Personal Pensions/SIPPs | ✔ | |
| Pension Flexible Income Drawdown | ✔ | |
| Savings & Investment Returns | ||
| Default Returns & Savings Rates | ✔ | |
| Specify Investment Asset Allocations & Returns | ✔ | |
| Specify Savings Rates | ✔ | |
| Specify Investment Fees | ✔ | |
| Contribution & Withdrawal Strategies | ||
| Contribution & Withdrawal Approach for Cash, Pensions & Investments | ✔ | |
| Specify Cash Emergency Fund & Withdrawal Buffer | ✔ | |
| Set Contribution Limit to Show 'Spend vs Save' Behaviour | ✔ | |
| Select Investment Contribution & Withdrawal Strategies | ✔ | |
| Select 'Bed & ISA' Transfers from Taxable Investments to ISAs | ✔ | |
| Prevent Discretionary Investment in Pensions Above the Lifetime Allowance | ✔ | |
| Use Available Personal Allowance to Reinvest DC Pension funds | ✔ | |
| Pension Options & Allowances | ||
| Early Pension Withdrawals (using UFPLS) | ✔ | |
| Specify Pension Allocations (to Tax Free Cash, Flexible Income Drawdown, Guaranteed Income (Annuity) and Taxable Cash Lump Sum) | ✔ | |
| Switch from Drawdown to Guaranteed Income (Annuity) in Later Life | ✔ | |
| Specify Protected Lump Sum / Lifetime Allowance | ✔ | |
| Specify Transitional Tax-Free Amount / Lifetime Allowance Previously Used Amount | ✔ | |
| Specify MPAA Already Triggered | ✔ | |
| Other Incomes | ||
| Child Benefit | ||
| Child Benefit | ✔ | |
| Guaranteed Incomes (Annuities) | ||
| Current/Future Lifetime Pension Annuities | ✔ | |
| Current/Future Purchased Life Annuities (PLA) | ✔ | |
| Specify Annuities (Single/Joint, Level/Escalating, Purchase Rate) | ✔ | |
| Other Incomes | ||
| Current Taxable Income | ✔ | |
| Multiple Incomes | ✔ | |
| Future Incomes | ✔ | |
| Non-taxable Incomes | ✔ | |
| One-off and Recurring Incomes | ✔ | |
| Specify Income Durations | ✔ | |
| Expenses | ||
| Expenses | ||
| Current Expenses | ✔ | |
| Retirement Expenses | ✔ | |
| Multiple Periods at Different Expense Levels Pre- and Post-Retirement | ✔ | |
| One-off and Recurring Expenses Linked to Life Events | ✔ | |
| Gifts | ||
| One-off and Recurring Cash Gifts | ✔ | |
| Economic & Tax Assumptions | ||
| Default Inflation, Return and Tax Assumptions from Official Sources | ✔ | |
| Override Default Inflation Rates | ✔ | |
| Override Default Investment Returns & Savings Rates | ✔ | |
| Override Indexation of Tax Allowances, Limits & Thresholds for Possible Future Policy Changes | ✔ | |
| Apply Marriage Allowance | ✔ | |
| Reinstate Lifetime Allowance & LTA Charge to Reflect Possible Future Policy Change | ✔ | |
| Specify Brought-forward Annual Allowances for Pension Investment | ✔ | |
| Default Tax Assumptions Based on UK / English Tax Rules (not Scottish income tax) | ✔ | |
| Calculate Projection | ||
| Calculate Deterministic Projection for Lifetime Income, Expenses, Assets & Debts | ✔ | ✔ |
| Calculate Lifetime Investment Contributions & Withdrawals Based on Selected Strategy | ✔ | ✔ |
| Calculate Lifetime Taxes (Individuals & Partners) | ✔ | ✔ |
| Calculate Inheritance Between Partners | ✔ | ✔ |
| Calculate Legacy | ✔ | |
| Tax Calculations | ||
| Income Tax | ||
| Earnings & Property | ✔ | ✔ |
| Savings & Dividends | ✔ | ✔ |
| Pension Tax Relief, Allowances & Charges | ✔ | ✔ |
| High Income Child Benefit Charge | ✔ | ✔ |
| Residential Finance Costs Relief | ✔ | |
| National Insurance | ||
| Employment Class 1A | ✔ | ✔ |
| Self-employment Classes 2, 4 | ✔ | |
| Capital Gains Tax | ||
| Investments | ✔ | ✔ |
| Residential Property (with Private Residence Relief) | ✔ | |
| Chattels | ✔ | |
| Business Asset Disposal (BAD) Relief | ✔ | |
| Stamp Duty (SDLT) | ||
| English / N Irish SDLT on Downsized Home (not Scottish LBTT / Welsh LTT) | ✔ | |
| Inheritance & Estate Tax | ||
| Estate Value Calculation | ✔ | |
| Spouse/Civil Partner Exemption (1st death) | ✔ | ✔ |
| Agricultural/Business Property Relief (APR/BPR) (2nd death) | ✔ | |
| Transferable NRB and Residence NRB (RNRB) (2nd death) | ✔ | |
| RNRB Downsizing Addition (2nd death) | ✔ | |
| Successive Charges Relief (2nd death) | ✔ | |
| Annual Gift Exemption & Potentially Exempt Transfers (PETs) | ✔ | |
| Estate Tax (Income & Capital Gains) | ✔ | |
| Review & Analyse Results | ||
| Charts (Desktop) | ||
| Summary Lifetime Expense Funding Projection | ✔ | ✔ |
| Detailed Expense Funding Projection | ✔ | |
| Assets & Debts (Lifetime view in Basic) | ✔ | ✔ |
| Income, Expense & Taxes | ✔ | |
| Contribution & Withdrawals | ✔ | |
| All Cashflows | ✔ | |
| Charts (Mobile) | ||
| Summary Lifetime Expense Funding Projection | ✔ | ✔ |
| Assets & Debts (Lifetime view) | ✔ | ✔ |
| Metrics & Analysis (Desktop) | ||
| Overall Plan Value including Shortfall & Legacy (Lifetime view in Basic) | ✔ | ✔ |
| Overall Income & Expense Metrics | ✔ | |
| Key Question Feedback | ✔ | |
| Suggested Next Steps to Investigate Shortfalls | ✔ | |
| Detailed Year-by-Year Chart Data Table | ✔ | |
| Summary of Plan Inputs | ✔ | |
| Metrics & Analysis (Mobile) | ||
| Lifetime Shortfall Feedback | ✔ | ✔ |
| Support | ||
| Help Centre | ✔ | ✔ |
| Planning Guide | ✔ | ✔ |
| Demo Plans | ✔ | ✔ |
| Email Technical Support | ✔ | ✔ |
If you have any further questions on our features, please Contact Us.
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