Welcome to FutureClear

FutureClear is a retirement scenario modelling tool built from the ground up for the UK.

If you’re a self-directed investor trying to understand whether your money will last through retirement, you’ve probably hit the same wall we did: generic calculators that treat everyone the same, spreadsheets that break when you change one cell, or financial advisers who charge hundreds of pounds for a single meeting.

FutureClear sits in the gap. You enter your financial situation — pensions, ISAs, savings, property, income, spending — and the tool runs a year-by-year simulation from today until life expectancy. It calculates UK income tax, capital gains tax, and dividend tax for each year. It models your working years and retirement in a single projection.

What makes it different

Full-lifecycle modelling. Most retirement tools only model the drawdown phase. FutureClear models both the accumulation and drawdown years in a single simulation. Your salary, pension contributions, and ISA savings today feed directly into your retirement projection.

UK-native. Built for SIPPs, ISAs, GIAs, UK State Pension, and current HMRC tax rules. Not a US tool with a UK skin.

Monte Carlo simulation. One projection isn’t enough. FutureClear runs thousands of simulations with randomised investment returns to show you the range of possible outcomes — not just a single number.

You decide, we show the maths. FutureClear is an educational tool, not a financial adviser. It shows you the mathematical consequences of your assumptions. It never tells you what to do.

We’re just getting started. If you’d like to try it, head to the app — it’s free, no signup required.