◉Your Pension Brain
● Saved privately in this browser
Clean starter edition

See the retirement you can actually live.

Plan changing spending, pensions, tax-free cash and one-off events in one simple journey—then test it against 1,000 possible futures.

Your retirement plan

Your outlook

Retirement savings range

In today’s money, after withdrawals and charges

10th–90th rangeMedian

Cash flow journey

Median scenario, net spending target and gross income sources

DB pensionState PensionDC pension

Savings journey

Median projected pension balance in today’s money

Your linked target

Turn your retirement plan into a savings number

Select “Calculate savings target” to estimate the DC pension fund and monthly contribution needed at your chosen success level.

What it answers
“Given the lifestyle and retirement plan I entered, approximately how large must my DC pension be at retirement—and what monthly saving could get me there?”

Year-by-year median plan

Tax-free allowance is a lifetime balance, not an annual allowance

AgeTarget spendingGuaranteed incomeDC withdrawalAutomatic tax-free elementScheduled tax-free cashTax-free allowance leftIncome taxClosing pension

Ending balance by historical start year

Real returns from the uploaded planner; red means a shortfall or ending below your reserve target

Important: this is an illustrative historical stress test, not a forecast. The uploaded planner uses real US S&P 500 and US bond returns from 1928–2022. We do not wrap the series back to 1928, because doing so can repeat extreme periods and distort results. UK tax calculations and your current plan inputs are retained; the DB cap still uses your central inflation assumption.
Planning tool, not advice. Tax rules, State Pension policy and investment returns can change. The model uses 2026/27 English tax bands in today’s-money terms.

Investment and forecast settings

Scheduled events and crystallisations

Add as many dated pension crystallisations, expenses or income events as you need. For a crystallisation, enter the tax-free cash you want; the app moves three times that amount into crystallised drawdown.

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