Your life. Do the numbers stack up?
Model your UK retirement year by year — pensions, tax, ISAs, and spending. Your inputs. Your assumptions. See exactly where the money goes.
Median
£847,200
10th percentile
£412,600
90th percentile
£1,340,800
Retirement calculators oversimplify. Advisers are expensive. Spreadsheets break.
Generic calculators
One-size-fits-all tools that treat everyone the same. Your situation is unique.
Financial advisers
Hundreds of pounds for a one-off question. Most people in the advice gap go without.
Spreadsheets
Powerful but fragile. One broken formula and your entire projection is wrong.
Your complete financial timeline
See how today's salary, contributions, and spending compound into your retirement position — year by year, across every asset.
Working years
2026Salary, contributions, ISA & SIPP growth
Transition
Drawdown, lump sums, State Pension
Retirement
2065Withdrawals, tax, and year-by-year spending
Model working years and retirement in a single simulation.
Built for the detail
Every assumption visible. Every calculation transparent.
Scenario Modelling
Define your life events — employment, retirement, spending, contributions. See year-by-year outcomes across all your assets.
Monte Carlo Simulation
Thousands of simulation runs with randomised returns. See the range of possible outcomes, not just one number.
UK Tax Precision
Income tax, capital gains tax, dividend tax — calculated per partner per year. Built for SIPP, ISA, GIA, and UK State Pension.
What-If Comparison
Run multiple scenarios side by side. Change one assumption, see how everything shifts.
Couples & Partners
Model both partners together — separate pensions, shared spending, independent tax. One household, one timeline.
Life Events
Downsizing, a new car, care costs, inheritance — model any one-off expense or income at any age.
Pension Drawdown
Crystallise your SIPP, take tax-free cash, draw flexibly. You define the timing and the amounts.
Year-by-Year Detail
Every year from now through retirement — income, spending, tax, and asset values. No black boxes.
How it works
Three steps. No jargon. You stay in control.
Enter your details
Your assets, income, spending, and life events. Everything is defined by you.
Run scenarios
Year-by-year simulation with UK tax rules. Change assumptions, compare outcomes.
Understand your position
Charts, tables, and percentile bands. The numbers, clearly presented and explained.
What it costs
Start for free. Upgrade when you need more.
Free
Core scenario modelling
- ✓ Single scenario
- ✓ Year-by-year projection
- ✓ UK tax calculations
- — Monte Carlo simulation
- — Multiple scenarios
Premium
Monte Carlo, partners, and side-by-side comparison
- ✓ Unlimited scenarios
- ✓ Year-by-year projection
- ✓ UK tax calculations
- ✓ Monte Carlo simulation
- ✓ Side-by-side comparison
- ✓ Partner modelling
- ✓ CSV export
Frequently asked questions
Is this financial advice?
No. FutureClear calculates the mathematical consequences of your inputs. It does not provide financial advice or tell you what to do. For personalised advice, consult a qualified financial adviser.
How accurate are the projections?
Projections are based entirely on the assumptions you enter — growth rates, inflation, spending, and tax rules. The calculations use current UK tax bands and allowances. All outputs are modelled estimates, not guarantees. Tax rules are subject to change.
What about my data?
Your data is stored securely and we never share personal data with third parties. We don't sell data or show ads. Apart from your login email, we hold no identifying information. You can delete your account and all associated data at any time.
What can I model?
SIPPs, defined benefit pensions, ISAs, GIAs, LISAs, property, buy-to-let, annuities, and cash savings. You can also model life events — downsizing, a new kitchen, buying a car, or going into care. UK tax treatment is calculated automatically.
Do I need to create an account?
You can try FutureClear without creating an account. To save scenarios and access premium features, you'll need to sign up. Premium is coming soon.
How is this different from a financial adviser?
A financial adviser analyses your circumstances and provides specific advice on actions to take. FutureClear shows you the mathematical outcomes of scenarios you define. We show the numbers — you make the decisions.
Start modelling your retirement
Free to use. No signup required.
FutureClear is an educational scenario modelling tool. It does not provide financial, investment, or tax advice. All projections are based on user-defined assumptions. Tax rules are subject to change. Please consult a qualified financial adviser before making financial decisions.