UK Retirement Planner Report
prepared for Joe Public and Jane Public
This report consolidates all your income sources, savings, and investment assumptions to present a clear and comprehensive forecast of your financial readiness for retirement.
This report is intended for illustrative and informational purposes only and does not provide financial advice. While it can help you explore various retirement scenarios using your inputs and assumptions, it is not a substitute for professional financial planning. For personalised guidance, you should consult a qualified financial adviser.
Table of contents
Who is this report for?	< Please update this field. >
Your retirement income	< Please update this field. >
Your accounts	< Please update this field. >
Drawdowns	< Please update this field. >
Tax rate and inflation assumptions	< Please update this field. >
Stress test	< Please update this field. >
Report summary	< Please update this field. >
Who is this report for?
This personalised retirement plan is tailored for Joe Public, born on 10 June, 1980 and Jane Public, born on 14 May, 1982. They plan to retire together on 1 January, 2040, with the plan spanning a 28-year period through to 14 May, 2067. The plan incorporates all known income accounts, alongside assumed inflation and investment growth rates, to help assess income sustainability. It is based on the information provided in your plan as of 23 December, 2025 and assumes no further legislative or tax changes.
This report aims to give a clear overview of your current financial position, retirement goals, and key planning assumptions. It is designed to help you make informed decisions to stay on track toward achieving your desired retirement lifestyle.
Your retirement income
The annual income below shows the amount you plan to receive in retirement, increasing at 2% annually to maintain purchasing power over time.
Your 28-year plan requires a retirement income of £1,229,200, or £2,189,120 after inflation adjusted at 2% annually. This comparison illustrates how inflation significantly impacts long-term income planning.
The following table projects your annual retirement income in both today’s terms and with a 2% annual inflation adjustment.
Age (year)	Annual income	Inflation adjusted	
60 (2040)	£43,900	£59,084	
61 (2041)	£43,900	£60,265	
62 (2042)	£43,900	£61,471	
63 (2043)	£43,900	£62,700	
64 (2044)	£43,900	£63,954	
65 (2045)	£43,900	£65,233	
66 (2046)	£43,900	£66,538	
67 (2047)	£43,900	£67,869	
68 (2048)	£43,900	£69,226	
69 (2049)	£43,900	£70,610	
70 (2050)	£43,900	£72,023	
71 (2051)	£43,900	£73,463	
72 (2052)	£43,900	£74,932	
73 (2053)	£43,900	£76,431	
74 (2054)	£43,900	£77,960	
75 (2055)	£43,900	£79,519	
76 (2056)	£43,900	£81,109	
77 (2057)	£43,900	£82,731	
78 (2058)	£43,900	£84,386	
79 (2059)	£43,900	£86,074	
80 (2060)	£43,900	£87,795	
81 (2061)	£43,900	£89,551	
82 (2062)	£43,900	£91,342	
83 (2063)	£43,900	£93,169	
84 (2064)	£43,900	£95,032	
85 (2065)	£43,900	£96,933	
86 (2066)	£43,900	£98,872	
87 (2067)	£43,900	£100,849	
TOTAL	£1,229,200	£2,189,120	

While lifestyle expectations is subjective, a general guideline for a couple is a minimum of £21,600 to covers all of your general needs, £43,900 is considered a moderate income that provides financial security and flexibility, while £60,600 offers greater comfort and scope for discretionary spending. These benchmarks, recommended by the Pensions and Lifetime Savings Association (PLSA), offer a practical guide when evaluating your income goals.
Your accounts
Your accounts form the foundation of your retirement funding strategy. These include State Pensions, Defined Benefit (DB) and Defined Contribution (DC) schemes, ISAs and other investments, and cash savings.
Please note that:
All values shown are illustrative estimates and not guarantees.
They do not represent minimum or maximum outcomes.
All growth rates, inflation adjustments, and tax treatments are based on your selected assumptions and apply consistently across this report.
Final outcomes will depend on future contributions, investment performance, and any changes in inflation or legislation.
Potential tax charges (such as those related to the Lifetime Allowance) are not included in these projections.
This report assumes no future legislative changes affecting UK pensions or tax rules beyond the asumptions specified in your plan.
Projections are based on your chosen growth and inflation assumptions for the duration of your retirement.
In the following account tables, the first column contains the age of the account’s owner
We recommend reviewing and updating your projections regularly in the app or website to ensure they reflect any changes in your financial circumstances or objectives.
State Pension
Your UK State Pension entitlement is based on your National Insurance contribution record. The full State Pension in 2025 is £230.25 per week. However, the amount you receive will depend on your qualifying years, date of birth, and gender. This guaranteed income provides long-term stability and forms the foundation of your retirement income plan.
To confirm your entitlement and State Pension age, please visit GOV.UK.
Figures for partial years are proportionally adjusted to reflect shorter payment periods. Any lump sum is taken in full, paid alongside the regular income for that year.
Joe Public's State Pension
Joe Public is projected to qualify for the full UK State Pension, with an estimated current annual value of £11,973 (in today's value).
This amount is assumed to increase by 2.5% annually, resulting in an estimated £20,612 per year in 2047, and with a total projected income of approximately £179,628 (or £373,752 when adjusting for inflation)  between 10 June, 2047 and 10 June, 2062.
Age (Year)	Amount	Adjusted	
67 (2047)	£6,725	£11,577	
68 (2048)	£11,973	£21,128	
69 (2049)	£11,973	£21,656	
70 (2050)	£11,973	£22,197	
71 (2051)	£11,973	£22,752	
72 (2052)	£11,973	£23,321	
73 (2053)	£11,973	£23,904	
74 (2054)	£11,973	£24,502	
75 (2055)	£11,973	£25,114	
76 (2056)	£11,973	£25,742	
77 (2057)	£11,973	£26,386	
78 (2058)	£11,973	£27,045	
79 (2059)	£11,973	£27,721	
80 (2060)	£11,973	£28,414	
81 (2061)	£11,973	£29,125	
82 (10 Jun, 2062)	£5,281	£13,168	
TOTAL	£179,628	£373,752	

Figures for partial years are proportionally adjusted to reflect shorter payment periods.
Jane Public's State Pension
Jane Public is projected to qualify for a partial UK State Pension based on 20 qualifying years of National Insurance contributions, with an estimated current annual value of £6,842 (in today's value).
This amount is assumed to increase by 2.5% annually, resulting in an estimated £12,375 per year in 2049, and with a total projected income of approximately £123,170 (or £279,603 when adjusting for inflation)  between 14 May, 2049 and 14 May, 2067.
Age (Year)	Amount	Adjusted	
67 (2049)	£4,349	£7,866	
68 (2050)	£6,842	£12,684	
69 (2051)	£6,842	£13,001	
70 (2052)	£6,842	£13,326	
71 (2053)	£6,842	£13,659	
72 (2054)	£6,842	£14,001	
73 (2055)	£6,842	£14,351	
74 (2056)	£6,842	£14,710	
75 (2057)	£6,842	£15,077	
76 (2058)	£6,842	£15,454	
77 (2059)	£6,842	£15,841	
78 (2060)	£6,842	£16,237	
79 (2061)	£6,842	£16,643	
80 (2062)	£6,842	£17,059	
81 (2063)	£6,842	£17,485	
82 (2064)	£6,842	£17,922	
83 (2065)	£6,842	£18,370	
84 (2066)	£6,842	£18,830	
85 (14 May, 2067)	£2,512	£7,086	
TOTAL	£123,170	£279,603	

Figures for partial years are proportionally adjusted to reflect shorter payment periods.
Defined Benefits (DB) accounts
A Defined Benefit (DB) pension provides a guaranteed income in retirement, typically based on your salary and length of service with your employer. This guaranteed income provides long-term stability and forms the foundation of your retirement income plan.
To confirm your defined benefits entitlement, please visit your pension provider’s website.
Figures for partial years are proportionally adjusted to reflect shorter payment periods. Any lump sum is taken in full, paid alongside the regular income for that year.
Jane Public's defined benefits pension
This pension account is estimated to provide an annual income of £16,000 starting 14 May, 2049, along with a 25% tax-free lump sum of £125,000 taken at the same time. This pension is assumed to increase by 2% annually from 14 May, 2049 to 14 May, 2067, resulting in a total projected income value of £413,044 (or £470,156 when adjusting for inflation).
Age (Year)	Amount	Adjusted	
67 (2049)	£135,170	£135,170	
68 (2050)	£16,000	£16,320	
69 (2051)	£16,000	£16,646	
70 (2052)	£16,000	£16,979	
71 (2053)	£16,000	£17,319	
72 (2054)	£16,000	£17,665	
73 (2055)	£16,000	£18,019	
74 (2056)	£16,000	£18,379	
75 (2057)	£16,000	£18,747	
76 (2058)	£16,000	£19,121	
77 (2059)	£16,000	£19,504	
78 (2060)	£16,000	£19,894	
79 (2061)	£16,000	£20,292	
80 (2062)	£16,000	£20,698	
81 (2063)	£16,000	£21,112	
82 (2064)	£16,000	£21,534	
83 (2065)	£16,000	£21,965	
84 (2066)	£16,000	£22,404	
85 (14 May, 2067)	£5,874	£8,389	
TOTAL	£413,044	£470,156	

Defined Contribution (DC) accounts
A Defined Contribution (DC) pension builds a retirement pot from your contributions and those made by your employer. The value of your pot depends on contribution levels, investment returns, and the time remaining until retirement. These accounts provide flexibility in the drawdown strategy and can be adjusted to suit changes in spending needs or market performance.
To confirm your defined contribution value, please visit your pension provider’s website.
Joe Public's first DC Pension
This pension is estimated to be £45,000 by 10 June, 2037. No tax-free lump sum is planned to be taken. This plan assumes an annual growth rate of 7.72%, resulting in a projected fund value of £45,000 by 10 June, 2037 (fund’s accessibility date) and £54,436 by 1 January, 2040 (retirement plan’s start date).
Age (Year)	Amount	
45 (2025)	£19,217	
46 (2026)	£20,700	
47 (2027)	£22,297	
48 (2028)	£24,022	
49 (2029)	£25,875	
50 (2030)	£27,871	
51 (2031)	£30,021	
52 (2032)	£32,344	
53 (2033)	£34,839	
54 (2034)	£37,526	
55 (2035)	£40,422	
56 (2036)	£43,549	
57 (2037)	£46,908	
58 (2038)	£50,527	
59 (2039)	£54,425	
60 (2040)	£54,436	

Joe Public's current DC Pension
This pension currently holds £10,000, with annual contributions of £2,500 from you and £2,500 from your employer. Total contributions are estimated to increase by 2% annually. A 25% tax-free lump sum of £42,808 is planned to be taken on 1 January, 2040. This plan assumes an annual growth rate of 7.72%, resulting in a projected fund value of £126,107 by 10 June, 2037 (fund’s accessibility date) and £171,233 by 1 January, 2040 (retirement plan’s start date).
Age (Year)	Amount	
45 (2025)	£10,126	
46 (2026)	£16,292	
47 (2027)	£23,041	
48 (2028)	£30,442	
49 (2029)	£38,505	
50 (2030)	£47,304	
51 (2031)	£56,899	
52 (2032)	£67,382	
53 (2033)	£78,766	
54 (2034)	£91,152	
55 (2035)	£104,619	
56 (2036)	£119,295	
57 (2037)	£135,194	
58 (2038)	£152,453	
59 (2039)	£171,180	
60 (2040)	£171,233	

Individual Savings Account (ISA) accounts
An Individual Savings Account (ISA) allows you to invest while benefiting from tax-free growth on both income and capital gains. The value of your investments depend on investment returns, market conditions and the time remaining until retirement. These accounts provide flexibility in the drawdown strategy and can be adjusted to suit changes in spending needs or market performance.
To confirm your ISA value, please visit your investment provider’s website.
Any remaining funds at the end of each year will continue to grow, based on your chosen assumptions.
Joe Public's Stocks and Shares ISA
This ISA account for Joe Public has a current value of £22,000. Annual contribution is £2,400 and is estimated to increase by 2% annually. This plan assumes an annual growth rate of 9.64%, resulting in a projected fund value of £159,699 by 1 January, 2040.
Age (Year)	Amount	
45 (2025)	£22,097	
46 (2026)	£26,857	
47 (2027)	£32,127	
48 (2028)	£37,976	
49 (2029)	£44,426	
50 (2030)	£51,553	
51 (2031)	£59,424	
52 (2032)	£68,136	
53 (2033)	£77,722	
54 (2034)	£88,292	
55 (2035)	£99,941	
56 (2036)	£112,812	
57 (2037)	£126,951	
58 (2038)	£142,517	
59 (2039)	£159,650	
60 (2040)	£159,699	

Jane Public's Stocks and Shares ISA
 This plan assumes an annual growth rate of 9.64%, resulting in a projected fund value of £40,000 by 1 January, 2040.
Age (Year)	Amount	
43 (2025)	£11,026	
44 (2026)	£12,088	
45 (2027)	£13,253	
46 (2028)	£14,533	
47 (2029)	£15,933	
48 (2030)	£17,468	
49 (2031)	£19,151	
50 (2032)	£21,001	
51 (2033)	£23,024	
52 (2034)	£25,242	
53 (2035)	£27,674	
54 (2036)	£30,348	
55 (2037)	£33,271	
56 (2038)	£36,476	
57 (2039)	£39,990	
58 (2040)	£40,000	

Cash accounts
Cash savings represent funds held in current or savings accounts that are easily accessible and low risk. The value of your cash savings depend on your contributions, interest rates and the time remaining until retirement. These accounts provide flexibility in the drawdown strategy and can be adjusted to suit changes in spending needs or market performance.
To confirm your cash savings value, please visit your bank or account provider’s website.
Any remaining funds at the end of each year will continue to grow, based on your chosen assumptions.
While cash holdings offer low volatility, their growth may not keep pace with inflation, so regular review is recommended.
Joe Public's bank account
This Cash account for Joe Public has a current value of £10,000. Annual contribution is £1,200 and is assumed to remain constant (i.e. 0% annual increase). This plan assumes an annual growth rate of 2.45%, resulting in a projected fund value of £34,322 by 1 January, 2040.
Age (Year)	Amount	
45 (2025)	£10,032	
46 (2026)	£11,506	
47 (2027)	£13,016	
48 (2028)	£14,568	
49 (2029)	£16,153	
50 (2030)	£17,777	
51 (2031)	£19,441	
52 (2032)	£21,150	
53 (2033)	£22,896	
54 (2034)	£24,686	
55 (2035)	£26,519	
56 (2036)	£28,402	
57 (2037)	£30,326	
58 (2038)	£32,297	
59 (2039)	£34,316	
60 (2040)	£34,322	

Jane Public's bank account
 This plan assumes an annual growth rate of 2.45%, resulting in a projected fund value of £25,000 by 1 January, 2040.
Age (Year)	Amount	
43 (2025)	£17,814	
44 (2026)	£18,250	
45 (2027)	£18,697	
46 (2028)	£19,156	
47 (2029)	£19,625	
48 (2030)	£20,105	
49 (2031)	£20,597	
50 (2032)	£21,103	
51 (2033)	£21,620	
52 (2034)	£22,149	
53 (2035)	£22,691	
54 (2036)	£23,249	
55 (2037)	£23,818	
56 (2038)	£24,401	
57 (2039)	£24,998	
58 (2040)	£25,000	

Drawdowns
This section illustrates your withdrawal strategy, showing how funds are drawn annually from each account to meet your retirement income target. It outlines a 28-year plan for annual withdrawals, highlighting any potential shortfalls or surpluses against your target income. Withdrawals prioritise fixed (guaranteed) income sources (such as State or defined benefits pensions) before flexible assets (like defined contribution pensions, ISAs or cash) to meet your annual targets.
The chart below shows your plan’s annual drawdown by account type for the duration of your retirement.

The next chart shows what each of your account types could be worth year by year. Balances are at the end of each year after drawdowns have been deducted, and growth increases have been applied.
NOTE: Fixed income accounts such as State Pensions and Defined Benefit (DB) pensions are not included in this chart.

The income withdrawal table contains the associated data for each of your accounts. Each year shows all of your accounts with their balances at the start of the year, the amount to be drawn from that account, the balance at the end of the year, and then the balance adjusted at your specified growth rate. Each year group also contains a tax summary of the amount to be paid in that year, the portion of your annual income that is tax-free vs taxable, and the amount of tax to be paid on the taxable portion. Finally, the annual summary may also contains relevant drawdown notes.
Tax-free income refers to funds exempt from income tax (e.g. ISAs or tax-free pension lump sums) while taxable income includes all other sources subject to standard income tax rates.
According to your plan’s requirements, income tax thresholds are adjusted annually for inflation (at 2%). The annual tax rates used are detailed in the 'Tax rate and inflation assumptions' section.
For personalised advice, speak with a qualified financial adviser.
Age
(Year)	Account	Opening balance	Annual drawdown	Closing balance	Balance after growth	
60
(2040)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£54,436	£20,430	£34,006	£36,631	
	Joe Public's current DC Pension	£171,233	£42,808 1.	£128,425	£138,339	
	Joe Public's Stocks and Shares ISA	£178,105	£0	£178,105	£195,274	
	Joe Public's bank account	£36,343	£0	£40,498	£41,490	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£40,000	£0	£40,000	£43,856	
	Jane Public's bank account	£25,000	£0	£25,000	£25,613	
	TOTAL	£505,117	£63,239	£446,033	£481,203	
	Required income is £43,900, or £59,084 when inflation adjusted at 2% annually.
Total overdraw is £4,155.
Your tax-free income is £43,761 and your taxable income is £15,323 resulting in an income tax of £0.
1. Includes lump sum amount: £42,808.30	
61
(2041)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£36,631	£20,839	£15,792	£17,012	
	Joe Public's current DC Pension	£138,339	£0	£138,339	£149,019	
	Joe Public's Stocks and Shares ISA	£195,274	£0	£195,274	£214,098	
	Joe Public's bank account	£41,490	£39,426	£2,064	£2,114	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£43,856	£0	£43,856	£48,084	
	Jane Public's bank account	£25,613	£0	£25,613	£26,240	
	TOTAL	£481,203	£60,265	£420,938	£456,567	
	Required income is £43,900, or £60,265 when inflation adjusted at 2% annually.
Your tax-free income is £44,636 and your taxable income is £15,629 resulting in an income tax of £0.	
62
(2042)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£17,012	£17,012	£0	£0	
	Joe Public's current DC Pension	£149,019	£8,183	£140,836	£151,708	
	Joe Public's Stocks and Shares ISA	£214,098	£0	£214,098	£234,737	
	Joe Public's bank account	£2,114	£2,114	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£48,084	£8,922	£39,162	£42,937	
	Jane Public's bank account	£26,240	£26,240	£0	£0	
	TOTAL	£456,567	£62,471	£394,096	£429,383	
	Required income is £43,900, or £61,471 when inflation adjusted at 2% annually.
Your tax-free income is £41,529 and your taxable income is £20,942 resulting in an income tax of £1,000.	
63
(2043)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£151,708	£21,261	£130,448	£140,518	
	Joe Public's Stocks and Shares ISA	£234,737	£0	£234,737	£257,366	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£42,937	£42,439	£498	£546	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£429,383	£63,700	£365,683	£398,431	
	Required income is £43,900, or £62,700 when inflation adjusted at 2% annually.
Your tax-free income is £42,439 and your taxable income is £21,261 resulting in an income tax of £1,000.	
64
(2044)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£140,518	£78,041	£62,477	£67,300	
	Joe Public's Stocks and Shares ISA	£257,366	£0	£257,366	£282,176	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£546	£546	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£398,431	£78,587	£319,843	£349,476	
	Required income is £43,900, or £63,954 when inflation adjusted at 2% annually.
Your tax-free income is £546 and your taxable income is £78,041 resulting in an income tax of £14,633.	
65
(2045)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£67,300	£67,300	£0	£0	
	Joe Public's Stocks and Shares ISA	£282,176	£8,009	£274,167	£300,597	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£349,476	£75,310	£274,167	£300,597	
	Required income is £43,900, or £65,233 when inflation adjusted at 2% annually.
Your tax-free income is £8,009 and your taxable income is £67,300 resulting in an income tax of £10,077.	
66
(2046)	Joe Public's State Pension	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£300,597	£66,538	£234,059	£256,622	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£300,597	£66,538	£234,059	£256,622	
	Required income is £43,900, or £66,538 when inflation adjusted at 2% annually.
Your tax-free income is £66,538 and your taxable income is £0 resulting in an income tax of £0.	
67
(2047)	Joe Public's State Pension	£0	£11,577 1.	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£256,622	£56,292	£200,330	£219,642	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£256,622	£67,869	£200,330	£219,642	
	Required income is £43,900, or £67,869 when inflation adjusted at 2% annually.
Your tax-free income is £56,292 and your taxable income is £11,577 resulting in an income tax of £0.
1. Includes partial year amount for 205 days:  £11,577	
68
(2048)	Joe Public's State Pension	£0	£21,128	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£219,642	£48,733	£170,909	£187,385	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£0	£0	£0	
	Jane Public's defined benefits pension	£0	£0	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£219,642	£69,861	£170,909	£187,385	
	Required income is £43,900, or £69,226 when inflation adjusted at 2% annually.
Your tax-free income is £48,733 and your taxable income is £21,128 resulting in an income tax of £635.	
69
(2049)	Joe Public's State Pension	£0	£21,656	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£187,385	£0	£187,385	£205,449	
	Joe Public's bank account	£0	£0	£93,412	£95,701	
	Jane Public's State Pension	£0	£7,866 1.	£0	£0	
	Jane Public's defined benefits pension	£0	£135,170 2. 3.	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£187,385	£164,691	£280,797	£301,149	
	Required income is £43,900, or £70,610 when inflation adjusted at 2% annually.
Total overdraw is £93,412.
Your tax-free income is £41,758 and your taxable income is £29,521 resulting in an income tax of £669.
1. Includes partial year amount for 232 days:  £7,866
2. Includes lump sum amount: £125,000.00
3. Includes partial year amount for 232 days:  £10,170	
70
(2050)	Joe Public's State Pension	£0	£22,197	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£205,449	£0	£205,449	£225,254	
	Joe Public's bank account	£95,701	£23,590	£72,111	£73,877	
	Jane Public's State Pension	£0	£12,684	£0	£0	
	Jane Public's defined benefits pension	£0	£16,320	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£301,149	£74,792	£277,559	£299,131	
	Required income is £43,900, or £72,023 when inflation adjusted at 2% annually.
Your tax-free income is £23,590 and your taxable income is £51,201 resulting in an income tax of £2,769.	
71
(2051)	Joe Public's State Pension	£0	£22,752	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£225,254	£0	£225,254	£246,968	
	Joe Public's bank account	£73,877	£23,922	£49,955	£51,179	
	Jane Public's State Pension	£0	£13,001	£0	£0	
	Jane Public's defined benefits pension	£0	£16,646	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£299,131	£76,322	£275,209	£298,147	
	Required income is £43,900, or £73,463 when inflation adjusted at 2% annually.
Your tax-free income is £23,922 and your taxable income is £52,400 resulting in an income tax of £2,859.	
72
(2052)	Joe Public's State Pension	£0	£23,321	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£246,968	£0	£246,968	£270,776	
	Joe Public's bank account	£51,179	£24,258	£26,921	£27,581	
	Jane Public's State Pension	£0	£13,326	£0	£0	
	Jane Public's defined benefits pension	£0	£16,979	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£298,147	£77,884	£273,889	£298,357	
	Required income is £43,900, or £74,932 when inflation adjusted at 2% annually.
Your tax-free income is £24,258 and your taxable income is £53,627 resulting in an income tax of £2,952.	
73
(2053)	Joe Public's State Pension	£0	£23,904	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£270,776	£0	£270,776	£296,879	
	Joe Public's bank account	£27,581	£24,596	£2,984	£3,057	
	Jane Public's State Pension	£0	£13,659	£0	£0	
	Jane Public's defined benefits pension	£0	£17,319	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£298,357	£79,479	£273,760	£299,936	
	Required income is £43,900, or £76,431 when inflation adjusted at 2% annually.
Your tax-free income is £24,596 and your taxable income is £54,882 resulting in an income tax of £3,048.	
74
(2054)	Joe Public's State Pension	£0	£24,502	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£296,879	£21,881	£274,998	£301,508	
	Joe Public's bank account	£3,057	£3,057	£0	£0	
	Jane Public's State Pension	£0	£14,001	£0	£0	
	Jane Public's defined benefits pension	£0	£17,665	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£299,936	£81,106	£274,998	£301,508	
	Required income is £43,900, or £77,960 when inflation adjusted at 2% annually.
Your tax-free income is £24,938 and your taxable income is £56,168 resulting in an income tax of £3,146.	
75
(2055)	Joe Public's State Pension	£0	£25,114	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£301,508	£25,283	£276,225	£302,853	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£14,351	£0	£0	
	Jane Public's defined benefits pension	£0	£18,019	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£301,508	£82,767	£276,225	£302,853	
	Required income is £43,900, or £79,519 when inflation adjusted at 2% annually.
Your tax-free income is £25,283 and your taxable income is £57,484 resulting in an income tax of £3,248.	
76
(2056)	Joe Public's State Pension	£0	£25,742	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£302,853	£25,631	£277,223	£303,947	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£14,710	£0	£0	
	Jane Public's defined benefits pension	£0	£18,379	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£302,853	£84,461	£277,223	£303,947	
	Required income is £43,900, or £81,109 when inflation adjusted at 2% annually.
Your tax-free income is £25,631 and your taxable income is £58,831 resulting in an income tax of £3,352.	
77
(2057)	Joe Public's State Pension	£0	£26,386	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£303,947	£25,981	£277,966	£304,761	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£15,077	£0	£0	
	Jane Public's defined benefits pension	£0	£18,747	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£303,947	£86,191	£277,966	£304,761	
	Required income is £43,900, or £82,731 when inflation adjusted at 2% annually.
Your tax-free income is £25,981 and your taxable income is £60,210 resulting in an income tax of £3,460.	
78
(2058)	Joe Public's State Pension	£0	£27,045	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£304,761	£26,335	£278,426	£305,266	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£15,454	£0	£0	
	Jane Public's defined benefits pension	£0	£19,121	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£304,761	£87,956	£278,426	£305,266	
	Required income is £43,900, or £84,386 when inflation adjusted at 2% annually.
Your tax-free income is £26,335 and your taxable income is £61,621 resulting in an income tax of £3,570.	
79
(2059)	Joe Public's State Pension	£0	£27,721	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£305,266	£26,692	£278,575	£305,429	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£15,841	£0	£0	
	Jane Public's defined benefits pension	£0	£19,504	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£305,266	£89,758	£278,575	£305,429	
	Required income is £43,900, or £86,074 when inflation adjusted at 2% annually.
Your tax-free income is £26,692 and your taxable income is £63,066 resulting in an income tax of £3,684.	
80
(2060)	Joe Public's State Pension	£0	£28,414	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£305,429	£27,051	£278,378	£305,213	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£16,237	£0	£0	
	Jane Public's defined benefits pension	£0	£19,894	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£305,429	£91,597	£278,378	£305,213	
	Required income is £43,900, or £87,795 when inflation adjusted at 2% annually.
Your tax-free income is £27,051 and your taxable income is £64,545 resulting in an income tax of £3,802.	
81
(2061)	Joe Public's State Pension	£0	£29,125	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£305,213	£27,414	£277,799	£304,579	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£16,643	£0	£0	
	Jane Public's defined benefits pension	£0	£20,292	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£305,213	£93,473	£277,799	£304,579	
	Required income is £43,900, or £89,551 when inflation adjusted at 2% annually.
Your tax-free income is £27,414 and your taxable income is £66,059 resulting in an income tax of £3,922.	
82
(2062)	Joe Public's State Pension	£0	£13,168 1.	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£304,579	£43,231	£261,348	£286,542	
	Joe Public's bank account	£0	£0	£0	£0	
	Jane Public's State Pension	£0	£17,059	£0	£0	
	Jane Public's defined benefits pension	£0	£20,698	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	TOTAL	£304,579	£94,156	£261,348	£286,542	
	Required income is £43,900, or £91,342 when inflation adjusted at 2% annually.
Your tax-free income is £43,231 and your taxable income is £50,924 resulting in an income tax of £2,814.
1. Includes partial year amount for 161 days:  £13,168	
83
(2063)	Jane Public's State Pension	£0	£17,485	£0	£0	
	Jane Public's defined benefits pension	£0	£21,112	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£286,542	£57,459	£229,083	£251,167	
	Joe Public's bank account	£0	£0	£0	£0	
	TOTAL	£286,542	£96,056	£229,083	£251,167	
	Required income is £43,900, or £93,169 when inflation adjusted at 2% annually.
Your tax-free income is £57,459 and your taxable income is £38,597 resulting in an income tax of £2,887.	
84
(2064)	Jane Public's State Pension	£0	£17,922	£0	£0	
	Jane Public's defined benefits pension	£0	£21,534	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£251,167	£58,538	£192,629	£211,198	
	Joe Public's bank account	£0	£0	£0	£0	
	TOTAL	£251,167	£97,994	£192,629	£211,198	
	Required income is £43,900, or £95,032 when inflation adjusted at 2% annually.
Your tax-free income is £58,538 and your taxable income is £39,456 resulting in an income tax of £2,962.	
85
(2065)	Jane Public's State Pension	£0	£18,370	£0	£0	
	Jane Public's defined benefits pension	£0	£21,965	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£211,198	£59,637	£151,561	£166,171	
	Joe Public's bank account	£0	£0	£0	£0	
	TOTAL	£211,198	£99,972	£151,561	£166,171	
	Required income is £43,900, or £96,933 when inflation adjusted at 2% annually.
Your tax-free income is £59,637 and your taxable income is £40,335 resulting in an income tax of £3,039.	
86
(2066)	Jane Public's State Pension	£0	£18,830	£0	£0	
	Jane Public's defined benefits pension	£0	£22,404	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£166,171	£60,756	£105,415	£115,577	
	Joe Public's bank account	£0	£0	£0	£0	
	TOTAL	£166,171	£101,990	£105,415	£115,577	
	Required income is £43,900, or £98,872 when inflation adjusted at 2% annually.
Your tax-free income is £60,756 and your taxable income is £41,234 resulting in an income tax of £3,118.	
87
(2067)	Jane Public's State Pension	£0	£7,086 1.	£0	£0	
	Jane Public's defined benefits pension	£0	£8,389 2.	£0	£0	
	Jane Public's Stocks and Shares ISA	£0	£0	£0	£0	
	Jane Public's bank account	£0	£0	£0	£0	
	Joe Public's first DC Pension	£0	£0	£0	£0	
	Joe Public's current DC Pension	£0	£0	£0	£0	
	Joe Public's Stocks and Shares ISA	£115,577	£85,374	£30,203	£33,114	
	Joe Public's bank account	£0	£0	£0	£0	
	TOTAL	£115,577	£100,849	£30,203	£33,114	
	Required income is £43,900, or £100,849 when inflation adjusted at 2% annually.
Your tax-free income is £85,374 and your taxable income is £15,475 resulting in an income tax of £0.
1. Includes partial year amount for 134 days:  £7,086
2. Includes partial year amount for 134 days:  £8,389	

Overall, drawdowns remain sustainable throughout the 28-year period, maintaining sufficient balances to meet projected income needs.
Tax rate and inflation assumptions
All income tax calculations are based on 2025/26 tax rates. Tax bands are adjusted annually by 2% to reflect the Bank of England’s target inflation rate, providing more realistic drawdown projections and a clearer view of your available assets.
While the following tax bands are used in your plan’s calculations, it does not reflect official forecasts.
Age
(Year)	Personal allowance
0%	Basic rate
20%	Higher rate
40%	Additional rate
45%	
45 (2025)	£12,570	£12,570 - £50,270	£50,270 - £125,140	£125,140+	
46 (2026)	£12,570	£12,570 - £50,270	£50,270 - £125,140	£125,140+	
47 (2027)	£12,570	£12,570 - £50,270	£50,270 - £125,140	£125,140+	
48 (2028)	£12,570	£12,570 - £50,270	£50,270 - £125,140	£125,140+	
49 (2029)	£12,570	£12,570 - £50,270	£50,270 - £125,140	£125,140+	
50 (2030)	£12,570	£12,570 - £50,270	£50,270 - £125,140	£125,140+	
51 (2031)	£12,821	£12,821 - £51,275	£51,275 - £127,643	£127,643+	
52 (2032)	£13,078	£13,078 - £52,301	£52,301 - £130,196	£130,196+	
53 (2033)	£13,339	£13,339 - £53,347	£53,347 - £132,800	£132,800+	
54 (2034)	£13,606	£13,606 - £54,414	£54,414 - £135,456	£135,456+	
55 (2035)	£13,878	£13,878 - £55,502	£55,502 - £138,165	£138,165+	
56 (2036)	£14,156	£14,156 - £56,612	£56,612 - £140,928	£140,928+	
57 (2037)	£14,439	£14,439 - £57,744	£57,744 - £143,747	£143,747+	
58 (2038)	£14,728	£14,728 - £58,899	£58,899 - £146,621	£146,621+	
59 (2039)	£15,022	£15,022 - £60,077	£60,077 - £149,554	£149,554+	
60 (2040)	£15,323	£15,323 - £61,279	£61,279 - £152,545	£152,545+	
61 (2041)	£15,629	£15,629 - £62,504	£62,504 - £155,596	£155,596+	
62 (2042)	£15,942	£15,942 - £63,755	£63,755 - £158,708	£158,708+	
63 (2043)	£16,261	£16,261 - £65,030	£65,030 - £161,882	£161,882+	
64 (2044)	£16,586	£16,586 - £66,330	£66,330 - £165,120	£165,120+	
65 (2045)	£16,918	£16,918 - £67,657	£67,657 - £168,422	£168,422+	
66 (2046)	£17,256	£17,256 - £69,010	£69,010 - £171,790	£171,790+	
67 (2047)	£17,601	£17,601 - £70,390	£70,390 - £175,226	£175,226+	
68 (2048)	£17,953	£17,953 - £71,798	£71,798 - £178,731	£178,731+	
69 (2049)	£18,312	£18,312 - £73,234	£73,234 - £182,305	£182,305+	
70 (2050)	£18,678	£18,678 - £74,699	£74,699 - £185,951	£185,951+	
71 (2051)	£19,052	£19,052 - £76,193	£76,193 - £189,670	£189,671+	
72 (2052)	£19,433	£19,433 - £77,716	£77,716 - £193,464	£193,464+	
73 (2053)	£19,822	£19,822 - £79,271	£79,271 - £197,333	£197,333+	
74 (2054)	£20,218	£20,218 - £80,856	£80,856 - £201,280	£201,280+	
75 (2055)	£20,622	£20,622 - £82,473	£82,473 - £205,305	£205,305+	
76 (2056)	£21,035	£21,035 - £84,123	£84,123 - £209,412	£209,412+	
77 (2057)	£21,456	£21,456 - £85,805	£85,805 - £213,600	£213,600+	
78 (2058)	£21,885	£21,885 - £87,521	£87,521 - £217,872	£217,872+	
79 (2059)	£22,322	£22,322 - £89,272	£89,272 - £222,229	£222,229+	
80 (2060)	£22,769	£22,769 - £91,057	£91,057 - £226,674	£226,674+	
81 (2061)	£23,224	£23,224 - £92,878	£92,878 - £231,207	£231,207+	
82 (2062)	£23,689	£23,689 - £94,736	£94,736 - £235,831	£235,831+	
83 (2063)	£24,162	£24,162 - £96,631	£96,631 - £240,548	£240,548+	
84 (2064)	£24,646	£24,646 - £98,563	£98,563 - £245,359	£245,359+	
85 (2065)	£25,139	£25,139 - £100,534	£100,534 - £250,266	£250,266+	
86 (2066)	£25,641	£25,641 - £102,545	£102,545 - £255,272	£255,272+	
87 (2067)	£26,154	£26,154 - £104,596	£104,596 - £260,377	£260,377+	

Stress test
Regardless of how much you plan, the future is uncertain. Market conditions change over time and so will your account growth rates. A stress-test has been applied using historical rates to evaluate how such fluctuations could impact your accounts and overall retirement plan. New rates are chosen each year that simulate market conditions.
The stress test was conducted using 1 simulation runs to model potential market fluctuations. The plan achieved a 100% success rate, meaning that in 100% of the simulated retirement years, your plan was able to meet your desired income without running out of funds.

The 5-95% confidence band means that there is a 90% chance that your actual net worth may fall somewhere in this area at any given point in time. Similarly, the 25-75% confidence band means that there is a 50% chance that your actual net worth will fall somewhere in this area at any given point in time. The 'median' represents the average outcome, based on our best guess about how your investments will perform. It's like a straight shot to retirement with the least amount of surprises. Finally, for reference, the line representing your retirement plan is brought forward from the previous charts and is based on the actual growth rates specified in your plan.
Financial advisors generally recommend aiming for a good score rather than a perfect score:
90% or higher is usually considered more than adequate for your retirement needs.
80% is considered a minimum for safe retirement planning.
Below 80% suggests that adjustments should be made to your plan.
NOTE: Even at a 100% success rate, always remember that past performance is not indicative of future results, and that no one can predict the future.
Report summary
This report consolidates all your financial data, projected retirement income, and investment assumptions to provide a clear, evidence-based picture of your long-term retirement readiness.
Overall position
Based on the assumptions provided, your retirement plan is sustainable and aligns with your desired income objectives. Your combination of State Pensions, Defined Benefit pensions, Defined Contribution schemes, ISAs, and cash savings is projected to meet your income needs throughout retirement while maintaining a residual balance.
At the end of your plan, your projected net worth is £33,114, after accounting for all drawdowns and taxes. Your total taxes paid is estimated at £82,646.
Income sustainability
Over 28 years, your plan requires a retirement income of £2,189,120 when adjusted at 2% annual inflation — equivalent to £1,229,200 in today’s terms.
Your plan demonstrates a good balance between fixed (guaranteed) and flexible income sources:
Fixed (guaranteed) income sources (e.g., State and Defined Benefit pensions) provides reliable baseline coverage for essential expenses.
Flexible income sources (e.g., ISAs and Defined Contribution pensions) supplements this baseline and can be adjusted to accommodate changes in lifestyle, spending, or market conditions.
This balance provides both greater security for essential spending and adaptability for changing financial priorities.
Investment growth and risk
Investment projections assume steady long-term growth in line with historical averages. While markets can fluctuate in the short term, your plan demonstrates resilience under moderate stress test scenarios.
However, significant downturns or extended low-growth periods could reduce available income later in retirement. Regular review of asset allocation and risk exposure is recommended to ensure your investments remain aligned with your risk tolerance and time horizon.
Inflation and cost of living
All figures are shown in today’s terms, adjusted for inflation at 2% annually. Maintaining your desired retirement lifestyle will depend on keeping income in line with inflation. Future adjustments to withdrawal rates or investment strategies may be required if inflation trends differ from these assumptions.
Next steps and recommendations
To keep your plan accurate and relevant:
Review your plan annually — update income goals, account balances, and assumptions within the app.
Reassess inflation and growth rates if economic conditions change.
Monitor tax legislation — thresholds and allowances may shift, impacting net retirement income.
Consider professional advice before making significant investment or withdrawal decisions.
Final outlook
Your projections indicate that you are well-positioned for a secure retirement, with sufficient assets to sustain your goals. With a total retirement income of £2,189,120, a projected remaining balance of £33,114 and total taxes paid of £82,646, your overall plan demonstrates strong asset utilisation and efficient withdrawal sequencing.
Continued engagement with your financial plan and regular updates will help ensure long-term financial security, even as circumstances or market conditions evolve.
This report is intended for illustrative and informational purposes only and does not provide financial advice. While it can help you explore various retirement scenarios using your inputs and assumptions, it is not a substitute for professional financial planning. For personalised guidance, you should consult a qualified financial adviser.