UK Retirement & Pension Insights
Articles about UK retirement modelling, pension drawdown, and tax.
The Hidden Tax Trap in Pension Withdrawals
If your income crosses £100,000, you could be paying an effective 60% tax rate on your pension withdrawals. How the Personal Allowance taper works, what it costs, and how to spot it in your own projection.
How We Calculate UK Tax Year-by-Year
How FutureClear calculates income tax, capital gains, dividends, and NI for every year of your retirement projection — and why getting it right matters.
Can ChatGPT Model My Retirement?
ChatGPT can explain pension rules and do quick sums. But can it model 30 years of UK retirement across multiple assets, tax wrappers, and life events? I tested it.
Introducing the Learn Library
41 free articles on UK pensions, tax, and retirement modelling. No registration, no paywall. Written for self-directed investors who want to understand the mechanics.
Why I Built FutureClear
Meet the founder of FutureClear. 25 years building financial systems. Couldn't find a UK retirement modelling tool that worked. So he built one.