The retirement question no calculator can answer — until now. FutureClear shows you, year by year, exactly where your money goes across every pension, ISA, and account you own. UK tax included. No advice. Just the numbers.
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.
You don't need someone to tell you what to do. You need to see what happens.
When you can see, year by year, how your pensions, ISAs, and savings interact — how tax changes when you draw from one account instead of another, how three more years of working shifts the entire picture — the options become visible. Not because anyone told you. Because you can see the numbers.
FutureClear is a scenario modelling tool for UK retirement finances. You enter your situation. You choose your assumptions. The engine shows you the consequences. Every year. Every account. Every pound of tax.
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. Ten minutes. 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
Not adapted from a US tool. Not a generic calculator.
Per-partner UK tax, every year
Income tax, capital gains tax, National Insurance, Personal Allowance taper, Marriage Allowance — calculated per partner, per year. This is the depth your adviser's tool uses, without the adviser.
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 to show you the range of possible outcomes, not just one line on a chart.
Couples, modelled together
Different ages, different pensions, different retirement dates, shared spending. One projection that shows the whole household picture with separate tax calculations for each partner.
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? — and no structured way to answer it.
You're not looking for someone to tell you what to do. You want to see the numbers and decide for yourself. That's exactly 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. No advice. Just the numbers.