Build your own, personalised financial plan

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Premium Feature Highlights

Build your own, personalised financial plan

• Set out your current financial situation in detail
• Include financial and life events planned for the future
• Choose how and when to take your pension

Review all aspects of your projection

• Cashflow, assets & liabilities, income & expenses
• UK taxes (Income Tax, NICs, Capital Gains Tax, Inheritance Tax)
• Contributions to and withdrawals from savings & investments
• Detailed and summary views

Explore a broad range of options

• Explore different ways to take your pension and your pension income options
• Specify different investment types and asset classes
• Select contribution and withdrawal strategies
• Look at using home equity to fund retirement & later life

Test the resilience of your plan

• See effects of higher inflation and/or lower investment returns
• Experiment with unexpected expenses or life events
• Create multiple scenarios
• Adjust your plan to respond better to adverse situations

Explore ways to reduce your tax bill over your lifetime

• Review taxes projected for each year of your plan
• Identify unnecessary tax that could be reduced or avoided
• Try different approaches to reduce your lifetime tax bill

Plan for your legacy and reduce inheritance tax

• Review your projected legacy and inheritance tax bill
• Try out strategies to reduce inheritance tax
• Find the right balance between gifting in your lifetime and gifting from your legacy

Premium Frequently Asked Questions

• Planner Premium is the enhanced, paid version of the Planner.
• Planner Premium is built on the same calculation platform as Planner Basic and offers access to enhanced features in two key areas:
• Full Plans: a much more extensive user interface that allows you to build detailed, personalised financial plans which make full use of our calculation platform.
• Extended Results: a more comprehensive projection with a broader range of analysis features, enabling you to explore the projection of your Full Plan in detail.
• Please find a full list of Premium features below.
• Due to the sophistication and detail of the features, Planner Premium is designed to work on a device with a larger screen and keyboard input: we recommend a laptop or desktop. Once you have built a Full Plan, you can also view a simplified set of projection results on a mobile device.
• If you have an unusual combination of browser, operating system and device, please check compatibility by reviewing a Demo Plan using Planner Basic (see below).
• We expect to continuously improve the Premium features over time and welcome feedback from Planner customers on what new features they would like to see.

• Planner Premium can be used by individual UK residents aged 18-75 but is primarily intended for customers aged 40-60 who want to explore choices for funding their retirement.
• Planner Premium is more suitable for customers who:
• want to plan their finances over their lifetimes
• have some knowledge of common financial products
• are comfortable with taking their own financial decisions
• currently have some assets or investments.
• MyFinanceFuture aims to support as broad a range of customers as possible, but Planner Premium doesn’t currently have the range of features required to support some groups of potential customers, including those who:
• have already started taking pension benefits
• are experiencing debt management issues
• are dependent on means-tested state benefits (such as Universal Credit), or expect to be dependent on them in the future
• have significantly reduced life expectancy (less than age 75)
• are in ill health (and so would qualify for additional rights and benefits, such as early access to pensions).
• We strongly recommend that you try out Planner Basic before upgrading to make sure that Planner Premium is right for you. You can do this by:
• creating and editing some Quick Plans, which will give you an initial feel for how the Planner works.
• reviewing some of the Demo Plans, which are view-only samples of Full Plans that allow you to experience the Premium features of the Planner. You can explore input items in every section of these plans and view all the results features, although you can't save any edits to them.

• Planner Premium gives you access to the Premium features of the Planner for a fixed period of time. Our current offer is for a 1-year period, but we may offer other subscription periods in the future.
• Planner Premium must be paid for in advance using a debit or credit card through our payment provider.
• To access Premium features you need to have a Planner account, which gives you access to Planner Basic. You can use the Premium features as soon as you’ve clicked through the Upgrade dialogue in the Planner, placed your order and successfully paid for your subscription. By placing your order you also agree to our latest Terms & Conditions and for us to give you immediate access to the Premium features.
• The normal 14-day UK statutory cooling-off period applies, but Planner Premium is treated as digital content so you will lose your statutory right to cancel and receive a refund once you start using it. We will normally consider your usage to start from when you have run your first projection of a Full Plan, so if you notice a problem while inputting your first Full Plan, please contact us so that we can help you solve it (or arrange a cancellation and refund if you prefer).
• Once you have starting using Planner Premium, your access will continue to the end of the subscription period, but there are some exceptional situations where you may have (or be given) the right to terminate early and receive a refund - please read the Planner Terms & Conditions.
• We want to help you create the best financial plan for you, so if you have questions about Planner Premium or are unhappy about any aspect of it, please let us know and we’ll try to put it right. The best way to contact us is to use the Contact Us form in the Planner, or on our website.

• We want you to feel in control of your relationship with us, so we do not offer auto-renewal of your Premium access. We will remind you about expiry of your access before reaching the end of your subscription period and offer you options to renew for further periods.
• If you don’t wish to renew your subscription, your Premium access will expire and you will revert back to Basic access at the end of your current subscription period. You will still be able to access your Full Plans on a view-only basis.

Detailed Premium Features List