Retiring with Confidence

Know exactly where you stand with your retirement

In about 10 minutes, Ronnie the retirement planning AI will work with you to build a personalised financial model for your retirement. Plain English, no jargon, no sales pitch.

Your projection

See your money year by year to age 100, your pension, ISA and savings, all in today's money

Real tax numbers

Correct tax rates for wherever you live in the UK. SIPP, ISA, state pension, all included

Plain English

Ronnie explains everything clearly. Ask questions any time.

How it works

Chat with Ronnie

Answer a few simple questions about your pension, savings and what you would like to spend in retirement.

See your projection

A personalised projection showing your pension, ISA and savings year by year, with different growth scenarios to plan for.

Tweak and explore

Change your spending, growth rate or retirement age and see the impact immediately.

Save and come back

Download your plan to your own device and reload it any time to update as things change.

Takes about 10 minutes. Free to use. No account needed.

Already used Ronnie before? Load your saved plan to pick up where you left off.

📂 Load saved plan

▸ Important information & privacy

🔒 Your data stays with you

Your financial information is never stored on our servers
Everything you tell Ronnie stays in your browser only
Save your plan as a file on your own device. We never hold it.
We never sell, share or advertise with your data

⚠️ Planning tool only. Not financial advice.
Ronnie builds projections based on what you tell us. The numbers are a guide, not a guarantee. This tool does not provide regulated financial advice. For major decisions, speak to an FCA-authorised Independent Financial Adviser. Find one at unbiased.co.uk or vouchedfor.co.uk.

📊 About the numbers
All figures are in today's money, adjusted for inflation. Growth rates are net of typical fund management fees. Projections assume steady annual growth. Real markets go up and down.

Welcome

Chat with Ronnie

Review

Your projection

Showing every other year for readability. All figures in today's money.

Tax region

Your assets & income

Spending at different life stages

From age Annual spend (£)

Changes update the projection immediately.

💾 Save your plan

This saves all your inputs as a file on your own device. We never store your data. To come back to your plan, open this app again and load the file. Do not try to open the file directly as it will just look like a jumble of numbers.

📊 Export to spreadsheet

Downloads a CSV file showing every number in your projection, year by year. Open it in Excel or Google Sheets. Useful if you want to dig into the detail, share it with an adviser, or do your own analysis.

This projection is for planning purposes only and does not constitute financial advice. All figures are shown in today's money (real terms, inflation-adjusted). Growth rates are net of typical fund management fees. Projections assume steady annual growth and cannot predict future market performance or model sequence-of-returns risk. Tax rules, allowances, and state pension entitlements may change. Always seek advice from an FCA-regulated Independent Financial Adviser before making major financial decisions. Find one at unbiased.co.uk or vouchedfor.co.uk.

Retiring with Confidence. Powered by AI. Not financial advice.

Know exactly where you stand with your retirement

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