In brief
Set up your profile, add your assets, create a scenario, and see whether your money is projected to last — the whole process takes about 10 minutes, or use Quick Start for a first look in under a minute.
Steps
- Navigate to Profile from the sidebar. Enter your date of birth and a nickname. If you are modelling as a couple, add your partner's details here too.
- Navigate to Assets from the sidebar. Add everything that contributes to your financial picture: pensions (SIPP, workplace, defined benefit), ISAs, investment accounts, cash savings, property, and income sources. Enter current values and growth assumptions for each asset. The asset register is shared across all your scenarios — you enter each asset once.
- Navigate to Scenarios from the sidebar and select New Scenario. A scenario is a "what if" — it combines your profile and assets with life events (when you retire, how much you spend, any lump sum withdrawals) to produce a year-by-year projection.
- Select Run to generate the projection. The Results page shows whether your money is projected to last through your chosen timeframe.
Quick Start alternative — if you want to see a projection immediately without entering full details, navigate to Quick Start. Enter five numbers — your age, retirement age, total pension value, annual spending, and expected growth rate — and the app generates a projection in under a minute. You can refine the Quick Start projection later by adding more assets and adjusting assumptions.
What to check afterwards
On the Results page, confirm the projection period covers your expected lifetime. Results are shown in real terms (today's purchasing power) — for more on what this means and how it compares with pension provider illustrations, see Real Terms and Nominal Figures. These are projections based on your stated assumptions — a range of outcomes, not a single prediction. Create additional scenarios with different assumptions to see how the projection changes.