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Pricing & 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 | ✔ | ✔ |
| Plan Notes | ✔ | ✔ |
| 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 Owner/Manager Business Assets (Trading Business, Unlisted Trading Co Shares) | ✔ | |
| Specify Tax-Advantaged Investment Assets (AIM IHT Shares, VCTs, EIS & SEIS) | ✔ | |
| 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 | ||
| In-payment State Pension | ✔ | |
| State Pension Rights | ✔ | |
| 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 'Automatic' Investment Contribution & Withdrawal Strategies | ✔ | |
| Specify 'Custom' Investment Contributions and Withdrawals | ✔ | |
| Select 'Automatic' Reinvestments of DC Pensions to use up income tax allowances/bands | ✔ | |
| Select 'Automatic' Reinvestments of Taxable Investments to use up CGT allowance | ✔ | |
| Select 'Automatic' Reinvestments of excess Cash Savings | ✔ | |
| Specify 'Custom' Reinvestments ('Bed & ISA', 'Bed & SIPP', inter-partner, etc | ✔ | |
| Pension Options & Allowances | ||
| Specify Start Year and Type of 'Automatic' DC Pension Withdrawals (UFPLS or Tax-Free Cash) | ✔ | |
| Specify Crystallisations (to Tax Free Cash, Flexible Income Drawdown, Guaranteed Income (Annuity) and Taxable Cash Lump Sum) | ✔ | |
| Defer Start Year of 'Automatic' Drawdown Withdrawals | ✔ | |
| 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 | ✔ | |
| Prevent 'Automatic' Investment Contributions to DC Pensions Projected Above the Lump Sum / Lifetime Allowance | ✔ | |
| Other Incomes | ||
| Child Benefit | ||
| Child Benefit | ✔ | |
| Guaranteed Incomes (Annuities) | ||
| Current/Future Lifetime Pension Annuities | ✔ | |
| Current/Future Purchased Life Annuities (PLA) | ✔ | |
| Specify Annuity Details (Single/Joint, Level/Escalating, Purchase Rate) | ✔ | |
| Other Incomes | ||
| Current/Future Incomes | ✔ | |
| Multiple Incomes | ✔ | |
| Taxable/Tax-free Incomes | ✔ | |
| One-off and Recurring Incomes | ✔ | |
| Specify Income Durations | ✔ | |
| Expenses | ||
| Expenses | ||
| Current Lifestyle Expenses | ✔ | |
| Multiple Phases of Future Lifestyle Expenses at Different Spending Levels | ✔ | |
| One-off and Recurring Expenses Linked to Life Events | ✔ | |
| Gifts | ||
| Cash Gifts to Individuals | ✔ | |
| Cash Gifts to Charities (Gift Aid) | ✔ | |
| 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 Tax Rates for Possible Future Policy Changes | ✔ | |
| Override Indexation of Tax Allowances, Limits & Thresholds for Possible Future Policy Changes | ✔ | |
| Apply Marriage Allowance (from Non-taxpayer to Taxpayer) | ✔ | |
| Apply Alternative Allocation of Allowances to Taxable Income | ✔ | |
| 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 Tax Rules (including Scottish / Welsh Income Tax) | ✔ | |
| Calculate Projection | ||
| Calculate Deterministic Projection for Lifetime Income, Expenses, Assets & Debts | ✔ | ✔ |
| Calculate Lifetime Investment Contributions & Withdrawals Based on Selected Strategies | ✔ | ✔ |
| 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 Property 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) (on 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 | ✔ | |
| Withdrawals & Contributions | ✔ | |
| 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 | ✔ | |
| Comparison of Charts and Metrics between Two Plans | ✔ | |
| Summary of Plan Inputs | ✔ | |
| Yearly Tax Return Summary | ✔ | |
| Estate & Inheritance Tax Summary | ✔ | |
| Metrics & Analysis (Mobile) | ||
| Lifetime Shortfall Feedback | ✔ | ✔ |
| Support | ||
| Help Centre | ✔ | ✔ |
| Planning Guide | ✔ | ✔ |
| Demo Plans | ✔ | ✔ |
| Email Technical Support | ✔ | ✔ |
| Security | ||
| Two-Factor Authentication (2FA) | ✔ | ✔ |
If you have any further questions on our features, please Contact Us.
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