Select Your Planning Tool
The figures provided by these tools are for illustrative guidance. We invite you to schedule a formal cash flow analysis with our chartered advisers for comprehensive bespoke planning.
Investment Growth & Compounding
Simulate how an initial deposit combined with regular monthly savings compounds over time at an assumed annual rate of return.
Projected Portfolio Value
Assumes constant monthly compounding and reinvestment of dividends. Does not account for taxes or inflation. The value of investments can fall as well as rise.
Retirement Pension & Drawdown Tool
Estimate your final retirement pension fund, your 25% tax-free lump sum allowance (PCLS), and estimated sustainable annual drawdown income.
Estimated Retirement Pot
UK rules cap the Pension Commencement Lump Sum (PCLS) at £268,275 unless transitional protection applies. Unspent pension pots may fall into the scope of Inheritance Tax from April 2027.
Lump Sum Investment & Charge Impact
Evaluate how ongoing management fees and platform charges impact your cumulative net return over time.
Net Projected Fund Value
Demonstrates the vital importance of portfolio charge efficiency. Restructuring high-fee legacy portfolios down under 1% can save tens of thousands in capital over a decade.
Annuity Capital Purchase Calculator
Calculate the initial capital lump sum required to purchase a fixed monthly guaranteed annuity over a defined term.
Required Initial Capital
Standard fixed annuity formula. Lifetime annuities also depend upon age, health conditions, smoker status, spouse guarantees, and whether payments are inflation-linked.
Stamp Duty Reserve Tax (SDRT) on Shares
Calculate the HMRC Stamp Duty Reserve Tax payable when buying shares electronically or via stock transfer form.
Stamp Duty Due
Under UK tax rules, Stamp Duty Reserve Tax applies to electronic share purchases over £1,000 at 0.5% rounded up to the nearest £5. Certain shares (e.g. AIM-listed stocks) may qualify for exemptions.
School & Higher Education Planning
Estimate the regular savings required to build an educational fund for private school tuition or university costs.
Required Monthly Investment
Assumes educational fee inflation at 3.0% per annum. Utilizing Junior ISAs (JISAs) and Bare Trusts can shield accumulation from income and capital gains taxes.
Key Financial Allowances for UK Residents
Optimising your statutory allowances every tax year is the foundation of tax-efficient wealth growth.
£20,000 ISA Allowance
Every UK adult receives a £20,000 annual Individual Savings Account allowance. All income, interest, and capital gains generated within an ISA remain 100% free of UK income and capital gains tax.
£60,000 Pension Allowance
The standard Annual Allowance allows up to £60,000 (or 100% of relevant UK earnings) into pensions with up to 45% tax relief. Unused allowances can be carried forward up to three previous tax years.
£3,000 Gifting Exemption
You can gift up to £3,000 each tax year completely exempt from Inheritance Tax. In addition, gifts made from regular surplus income do not trigger IHT, provided your standard of living is unaffected.
Turn Projections Into an Actionable Strategy
Calculators provide an initial estimate, but real financial planning requires evaluating taxes, family commitments, inflation, and market cycles. Speak directly with a Chartered IFA.
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