Glidepath

Glidepath models a whole household's retirement: pensions, ISAs, salaries, spending, mortgages and property. It shows when the money runs out, the most you can safely spend and how likely the plan is to survive real markets. Everything runs in the browser, so personal numbers never leave the machine.

Highlights

• UK income tax, NI and CGT per person, including Scottish bands
• Tax-free cash, UFPLS slices and both partners' allowances modelled
• 500-run Monte Carlo with chance of success by age
• Solver for the most you can spend and still reach your end age
• Plain-English summary, print to PDF, no server and no tracking