Will your money last?
Model the life you want. We show you what it does to your pensions, ISAs and tax.
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. A big commitment when you are starting with one question.
FutureClear shows you 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.
Like a flight simulator for your 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 — so you can try the big decisions before making them for real.
Three steps to your first projection.
Enter your situation
Your pensions, ISAs, savings, property, and spending. The simple onboarding wizard 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.
Experiment with what-ifs
Change your retirement date. Add a property downsize. Test a different withdrawal sequence. Each change instantly shows you the impact across the full timeline.
What if Sarah retires three years earlier? The figures fall. What if an inheritance arrives in 2040? They recover. Two what-ifs, reviewed and saved. Figures are illustrative.
Join the beta and build your own scenario.
Built for UK retirement finances
Designed around UK pensions, ISAs and tax rules.
Proper UK tax, every year
Income tax, capital gains tax, National Insurance, Personal Allowance taper — calculated in full for every year of the projection. 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, ages and incomes, sharing one household budget. Each partner's tax is worked out independently — including Marriage Allowance where it applies — 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.
Who we are
FutureClear Ltd is a limited company registered in England & Wales (Company No. 17078220). Our team has more than forty years' combined experience of engineering platforms at some of the world's most respected financial institutions — systems that are relied upon, and trusted, by millions of customers every day. We have built FutureClear to those same exacting standards.
Your data is stored securely on servers in the EU, is never shared or sold, and you can delete it at any time.
As users of FutureClear ourselves, we are incredibly passionate about building the highest quality product.
What it costs
Start for free. Upgrade when you need more.
Free Tier
Build your first retirement scenario
- Guided setup — your first projection in minutes
- Model everything you own — pensions, ISAs, savings, property, and the life events that change them
- Couples included — each partner’s tax worked out separately, one household picture
- See every year to life expectancy, after UK tax
- Change any assumption and see the effect instantly
- A first look at how market ups and downs could change the picture
- One saved scenario — your numbers are there when you come back
- Full access to the Learn Library
Premium Tier
Launch offerThe full picture
- Everything in the Free Tier, plus all Premium features…
- Unlimited saved scenarios — keep every version as your thinking evolves
- Compare scenarios side by side — retire at 60 or 63? See both on one chart
- Optional tax moves — Bed & ISA transfers, filling a tax band, sweeping surplus cash. All off until you switch them on
- Deeper results — full cash flow and tax breakdowns, and the year-by-year data table
- Advanced Monte Carlo — the full range of simulated futures, not just a first look
- Export your 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.
How is this different from a pension calculator?
A typical calculator gives you one number from a handful of inputs. FutureClear projects every year from now to life expectancy: income, spending, withdrawals, growth, and UK tax — income tax, capital gains, Personal Allowance taper — calculated per partner, per year, across all your accounts. You can see how the result was reached, and change any assumption to see the effect.
What about my data?
Your data is stored on servers in the EU 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, and data export (CSV, XLSX, PDF) is planned for Premium.
Why is the free tier free?
The free tier is the real engine — a saved scenario, year-by-year projection with full UK tax for each partner, and what-if modelling. We charge for depth: unlimited scenarios, side-by-side comparison, and the deeper analysis views. There are no ads and no selling of data; Premium subscriptions are the only revenue.
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.