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About FutureClear

What it is

FutureClear is a retirement scenario modelling tool built from scratch for the UK. You enter your financial situation — pensions, ISAs, savings, property, income, spending — and it runs a year-by-year simulation from today until life expectancy.

The engine calculates UK income tax, capital gains tax, and dividend tax for each partner, each year, with full interaction between income sources. It models the Personal Allowance taper, Marriage Allowance, National Insurance, and Section 24 mortgage interest relief. It handles both the accumulation years (while you're still working and saving) and the drawdown years (when you're spending from your pots) in a single projection.

Monte Carlo simulation runs each scenario a thousand times with randomised investment returns, so you see a range of possible outcomes rather than a single optimistic line.

Who it's for

Self-directed investors in the UK who want to understand whether their money will last through retirement. People with multiple pension pots, ISAs, and different timelines who need to see the combined picture. Couples who need to model two people with different ages, different pension access dates, and different income sources.

If you've tried to build a retirement model in a spreadsheet and found the UK tax side too complicated, or if you've used a free calculator and found the output too simplistic, FutureClear is built for the gap in between.

What it models

  • 16 asset types across investments, property, pensions, and other income
  • DC pension crystallisation, flexi-access drawdown, and tax-free lump sums
  • DB pensions and State Pension with deferral
  • ISA, LISA, GIA, cash, and Premium Bonds
  • Primary residence, buy-to-let, and secondary property (including downsizing)
  • Life events — retirement, career breaks, one-off expenses, inheritance
  • Configurable withdrawal ordering across all accounts
  • Surplus sweep (optional — defaults to off)
  • What-if analysis for quick scenario variations

Regulatory position

FutureClear is not a financial adviser. It is an unregulated modelling tool that operates within the FCA's PERG 8.24 guidance boundary.

  • It shows you the mathematical consequences of your own assumptions. It never tells you what to do.
  • It never recommends a product, a withdrawal sequence, or a course of action.
  • All optional features default to off. You enable them explicitly.
  • Every projection is labelled as a scenario under stated assumptions, not a prediction or a plan.

If you need a personal recommendation about what to do with your money, speak to a qualified financial adviser. FutureClear can help you prepare for that conversation, but it is not a substitute for regulated advice.

How it's built

The simulation engine is Python (NumPy and pandas). The backend is FastAPI with PostgreSQL. The frontend is React and TypeScript. Tax calculations use published HMRC rates and thresholds. Monte Carlo simulations use return distributions consistent with those used in financial planning. Mortality assumptions use ONS life tables.

For a detailed explanation of how the engine works, see How We Model.

Who built it

FutureClear is built by a small team led by our founder, Darren — twenty-five years in financial services technology, most recently running engineering teams at a Fortune 100 financial services company. The full story is in Why I Built FutureClear.

Contact

Questions, bug reports, or feedback: info@futureclear.co.uk.