FutureClear runs a year-by-year projection across your pensions, ISAs and other accounts, with proper UK tax for each partner. You set the assumptions. The engine shows what happens.
First to hear when we launch. We'll invite a selected group from the list to beta.
You've tried to answer this question before
The single number
You entered your details into a pension calculator and got one figure. No breakdown. No tax. No explanation of what happens between now and then. You closed the tab no wiser than before.
The broken spreadsheet
You downloaded a template and spent a Sunday building a model. It worked until you changed a cell and everything broke. It never handled tax properly. It cannot model two people.
The £2,500 question
You looked into financial advice. The quote was thousands for an initial review, plus an ongoing percentage of everything you own. You want an answer to one question, not an indefinite relationship.
See what your money does, year by year.
Drawing from your SIPP rather than your ISA changes your tax bill. Working three more years shifts every later year. Once you can see these interactions in your own numbers, the trade-offs are obvious.
FutureClear is a scenario modelling tool for UK retirement finances. You enter your situation and choose your assumptions. The engine projects each year against current UK tax rules and shows the result for every account.
See the shape of your future
Adjust the inputs below and watch how retirement age, spending, and pension income change the projection. This is a simplified version of what FutureClear models across all your accounts with full UK tax calculations.
Try it now
Run an example retirement projection — right here in your browser.
Three steps to your first projection.
Enter your situation
Your pensions, ISAs, savings, property, and spending. Quick Start guides you through it — rough numbers first, refine later.
Run the simulation
The engine projects every year from now to life expectancy. Income, spending, tax, withdrawals, growth — all calculated per partner, per year, using current UK tax rules.
Ask what if
Change your retirement date. Add a property downsize. Test a different withdrawal sequence. Each change instantly shows you the impact across the full timeline.
Built for UK retirement finances
Designed around UK pensions, ISAs and tax rules.
Per-partner UK tax, every year
Income tax, capital gains tax, National Insurance, Personal Allowance taper, Marriage Allowance — calculated per partner, per year. The same depth as professional cashflow tools.
Every account in one projection
SIPP, ISA, GIA, cash, property, DB pension, state pension. See how they interact — which account you draw from changes your tax bill, which changes how long the money lasts.
Monte Carlo simulation
Markets don't return the same amount every year. The simulation runs thousands of scenarios with randomised returns and shows the full range of possible outcomes, rather than a single point estimate.
Couples, modelled together
Two profiles with their own pensions and tax positions, sharing one household budget. Each partner's tax calculated independently across the full timeline.
Built for people in the advice gap
You've got pension pots across two or three providers. ISAs, maybe some cash savings, a property. You've got a specific question. Can I retire at 60? What if I downsize? What if the market drops in my first year? Generic calculators won't answer those.
You want to see the numbers and decide for yourself. That's what FutureClear is for.
What it costs
Start for free. Upgrade when you need more.
Free
Build your first retirement scenario
- ✓ Full access to Learn Library
- ✓ Quick Start guided setup
- ✓ Instant year-by-year projection with UK tax calculations
- ✓ Save one scenario and revisit whenever you like
- ✓ What-if modelling — change your assumptions and see the effects instantly
- ✓ Core data visualisations
- ✓ Monte Carlo simulation — thousands of simulated futures showing your range of outcomes
Premium
The full picture
- ✓ Everything in Free, plus all Premium features…
- ✓ Unlimited saved scenarios
- ✓ Compare scenarios side-by-side
- ✓ Couples modelling
- ✓ Custom withdrawal ordering
- ✓ SIPP crystallisation & drawdown modelling
- ✓ UK tax precision — PA taper, Marriage Allowance, CGT exemption, dividend allowances
- ✓ Full range of asset types and life events
- ✓ Advanced data visualisations
- ✓ Detailed breakdowns — portfolio, cashflow, tax, transfers, returns
- ✓ Export data (CSV, XLSX, PDF) (coming soon)
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, state pension, ISAs, GIAs, LISAs, property, buy-to-let, annuities, cash savings, premium bonds, and venture capital trusts (VCTs). You can also model life events — downsizing, a new kitchen, buying a car, or going into care. UK tax treatment is calculated automatically for each partner.
You've got a question about your future
Now you have a way to answer it. Free to start.