FinPlanly
Will your pension be enough?
Explore today. A brighter tomorrow. Free UK calculators and guides that run in your browser — clear illustrations, not personal advice.
Runs in your browser. No sign-up.
Your planning toolkit
What is FinPlanly?
A free UK tool that helps you plan your finances, pension and retirement — the same big questions you would explore with a financial adviser, with clear estimates you can adjust yourself. Educational only — not regulated advice.
Plan your finances
Work through income, take-home pay and spending the way you would in a planning conversation — with live numbers, not jargon.
Shape your pension
See how contributions, charges and growth could change your pot, and what that means for retirement readiness.
Map retirement timing
Explore when work could become optional, including bridges before you can access a pension.
Latest guides
All guidesShort explainers on pensions, ISAs, retirement planning and everyday money — written for the UK.
How much do you need to retire in the UK?A plain-English way to estimate the pension pot and income you might need for retirement in the UK, using realistic assumptions rather than scary headlines.
The 4% rule: what it means for UK retireesUnderstand the famous 4% withdrawal rule, its origins, limits, and how UK tax and the State Pension might change the maths — for information, not as a prescription.
Salary sacrifice for pensions explainedHow pension salary sacrifice works in the UK, potential National Insurance savings, and trade-offs for take-home pay, mortgages, and statutory benefits.
How it works
- 1
Pick a starting point
Choose a persona or enter your own age, income and pot.
- 2
See a clear estimate
Charts and numbers update live. Share a link when you are ready.
- 3
Read what to check next
Plain-English actions and guides — always for information only.
Tools
Pension & money planner
A short wizard that estimates readiness, pot growth and a plain-English action plan.
Retirement plan calculator
See how savings rate and returns change the years until work is optional.
Take-home pay
Estimate UK income tax, National Insurance, pension contributions and student loan.
Subscriptions cost
Add up recurring charges and the portfolio that could cover them forever at 4%.
Runs in your browser. No sign-up. Educational estimates only.