Free, no account needed
See how long your retirement money lasts.
Slide the numbers and watch a UK cash flow move, year by year: income after tax by source, the year the money runs out if it does, and what is left at the end.
- Stays in your browser
- Saved to a file you keep
- UK tax rules 2026/27
Try it: move a slider
A demo with an invented person, worked out in your browser by the planner’s own tax engine.
Example, not a forecast
Money lasts
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Wealth at 90
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Pension at retirement
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Income after tax by source each year, against spending
Drawing the example
The example person
Today
A year, before tax
Workplace pension
Paid in before tax
When paid work stops
In today's money, every year
A year. An assumption, not a promise
Also assumed: £30,000 in an ISA, a full State Pension, 2.5% inflation and a plan to age 90. The sliders are in today’s money. The chart and figures are in each year’s prices, so they rise with inflation.
Information only, not financial advice. Every projection rests on assumptions, and real life will differ.
Questions it helps you answer
Enter your assumptions, then read what they lead to for every year. The planner shows the figures and leaves the decisions with you.
When could we stop work, on these assumptions?
Set each person's retirement age, then read the income, tax and account balances for every year that follows.
In the planner: Overview
What do we take home after tax each year?
Income tax, National Insurance and capital gains tax are worked out for each person, from every source of income.
In the planner: Cash flow
How long do our savings and pensions last?
See whether spending is met in every year, the first year it is not, and what each account holds along the way.
In the planner: Wealth
What changes for the one left after the first death?
Survivor pensions, the spending you set for one person, a single set of allowances and an inheritance tax estimate.
In the planner: Together
How do the £268,275 cap and the 60% band show up in our numbers?
Tax-free cash counts against the Lump Sum Allowance, and income over £100,000 loses personal allowance. The tax lines show the years each one applies.
In the planner: Tax
What happens if one assumption changes?
Copy a plan, change growth, spending or an age, and put the two side by side, in today's prices or each year's prices.
In the planner: Compare
What you can enter. Salary and self-employment, workplace and final salary pensions, annuities, the State Pension, cash, ISAs and other investments, property and mortgages, student loans and one-off life events. Round numbers are fine to begin with.
Build your plan by talking to an AI assistant
Describe your situation in your own words. An assistant that supports MCP, such as Claude, connects to Life Cashflow, asks about anything missing and hands back a plan file to upload to the planner. Free, with no account needed for the planner or the connector.
Add the connector to Claude
Open Settings, then Connectors, then Add custom connector, and paste this address. No account or sign-in is needed.
https://lifecashflow.co.uk/api/mcpDescribe your situation in plain English
Ages, work, pensions, savings and what you spend. The assistant reads the plan format, checks the plan against the model and writes the file.
Upload the plan to the planner
Choose the file the assistant made, or paste its text. The plan is opened in your browser and is not sent anywhere.
Upload plan
Using Claude Code?
Run this once in your terminal.
claude mcp add --transport http lifecashflow https://lifecashflow.co.uk/api/mcpAny assistant that can use MCP connectors works the same way: add the address above as a remote server.
- You: I'm 52 and earn about £60,000. I have £210,000 in a workplace pension. I'd like to stop work at 62 and spend around £28,000 a year. Can you make me a plan file?
- Assistant: Happy to. Two quick questions so the file matches your situation. Do you have savings or ISAs, and is there a partner to include?
- You: About £40,000 in an ISA. Just me.
- Assistant: Checking the plan with Life Cashflow (validate_plan). Writing the plan file (create_plan_file). Here's your plan file. File: my-plan.json, Life Cashflow plan, version 3, one person. Upload it to the planner and check each assumption there.
An assistant building a plan file
Illustration
A made-up example. The wording and the steps will differ with the assistant you use.
- Figures are sent only when you ask. The assistant sends them to our server when you ask it to check or run a plan. Nothing is stored or logged, and the planner works fully without it.
- AI can make mistakes. Check the figures and every assumption in the planner before relying on a result.
- A plain-text summary for AI tools is at /llms.txt. The privacy notice explains how the connection handles data.
The detail simple calculators leave out
Retirement tax has caps, cliff edges and thresholds that move. These are the rules the planner works through in every year, including the changes already in law.
- Lump Sum Allowance
- The £268,275 cap on tax-free cash, with the amount used so far tracked year by year.
- The 60% band
- The personal allowance tapers away above £100,000, which creates the effective 60% band.
- Money Purchase Annual Allowance
- A lower pension saving limit once flexible withdrawals begin, applied from the year it is triggered.
- Tapered annual allowance
- A lower pension saving limit for higher incomes, worked out each year.
- State Pension age
- Worked out from each person's date of birth, with an override if you need one.
- Scottish income tax
- Scottish rates and bands for anyone marked as a Scottish taxpayer.
- Savings, dividend and property rates
- Current rates and allowances, including the 2027 changes.
- Frozen thresholds
- Allowances and bands held until April 2031, then indexed or kept frozen, as you choose.
- Pensions in the inheritance tax estate
- Counted in the estate for the inheritance tax estimate from April 2027.
- Salary sacrifice cap
- The National Insurance cap on salary sacrifice pension contributions from 2029.
- Marriage Allowance
- Applied in the years it is available to a married couple or civil partners.
- Two people, taxed separately
- Each partner has their own allowances, bands and accounts, and the planner shows whose are used each year.
The tax engine is checked by hundreds of automated tests, including hand-worked tax examples.
See every rule and rate the planner usesBuilt for couples
Model one person or two. Each is taxed separately, and the “How your plans interact” view shows how the two plans fit together.
- Life stages. Both working, one retired, both retired, then the years after the first death.
- Whose allowances are used. A year-by-year view of each partner’s allowances, including Marriage Allowance where it applies.
- Who draws what. Pension withdrawals from either partner, with a setting to draw from whichever pays the lower rate.
You
- Own personal allowance
- Own tax bands
- Own pensions and ISAs
Partner
- Own personal allowance
- Own tax bands
- Own pensions and ISAs
How the two plans interact
Allowances
Married couples and civil partners can transfer part of a personal allowance. The planner shows when it applies.
Who draws what
Pension withdrawals can come from the partner who pays the lower rate, if you choose that setting.
Joint accounts
Split between the two by the ownership share you enter, and taxed that way.
After the first death
Survivor pensions, spending and one set of allowances, plus an inheritance tax estimate.
Your plan stays yours
Read the privacy noticeWorked out in your browser
Your figures are calculated on your own device. Nothing about your plan is stored on our servers.
Saved to a file you keep
Save the plan and open it again later. The file never passes through us.
Analytics only if you agree
It stays off until you accept it, and your plan figures are never sent to Google Analytics.
Information, not advice
Life Cashflow shows what a set of assumptions leads to, without considering your circumstances or telling you what to do.
Common questions
Yes. It is free to use while it is in early access, and there is no account to create: open the planner and start.
An invented person with a workplace pension, an ISA and the State Pension, run through the same tax engine as the planner. Moving a slider works the plan out again, so you can see how one assumption changes the cash flow, the age the money runs out if it does, and what is left at 90. It is an illustration, not a forecast, and it is for one person with the same spending every year. Choosing “Continue in the planner” opens the same numbers there, where you can add a partner, more pensions, property and one-off events.
No account is needed, and nothing about your plan is stored on our servers. The plan is worked out in your browser and saved to a file that you keep. Analytics stays off until you accept it, and your plan figures are never sent to Google Analytics. If you use the optional AI assistant connection, the assistant sends figures to our server only when you ask it to check or run a plan, and nothing is stored or logged. The privacy notice has the detail.
No. Life Cashflow is an information tool. It shows what a set of assumptions leads to, and it does not consider your objectives, attitude to risk or wider circumstances, so it cannot tell you which product, provider or course of action to choose. MoneyHelper (opens in a new tab) and Pension Wise (opens in a new tab) offer free, impartial guidance, and the guidance and advice guide explains how to find and check a regulated adviser.
The tax engine models the rules for the current tax year and the changes already in law, and it is checked by hundreds of automated tests, including hand-worked tax examples. Results still depend on the assumptions you enter, such as growth, inflation, spending and life expectancy, and no projection can predict the future. The guide to how the planner works out a plan sets out what is modelled, the rates used and where the limits are.
Yes. Model one person or two. Each person is taxed separately, with their own allowances, pensions and accounts. The “How your plans interact” view shows the life stages, whose allowances are used each year, and what changes after the first death.
Optionally. If your assistant supports MCP, it can learn the plan file format and build a plan file for you to open in the planner. The steps are above. Assistants make mistakes, so check every assumption in the planner before relying on a result. The planner works fully without one.
Early access: tell us what’s missing
If a rule, account type or situation is not covered yet, tell us what you were looking for. Email support@lifecashflow.co.uk.
Try it with your own numbers
Free while it is in early access, with no account needed. Your plan stays in your browser and is saved to a file you control.
Information only, not financial advice.