This tool is for educational and illustrative purposes only. It does not constitute financial advice, tax advice, or a personal recommendation. The projections shown are hypothetical and based on simplified models — they are not predictions of future performance.
Using this tool does not create a client-adviser relationship. The operators of this site are not authorised or regulated by the Financial Conduct Authority (FCA) and do not hold any financial services permissions.
The projections rely on assumptions that may not reflect your actual circumstances, including but not limited to:
The model does not account for: Capital Gains Tax on investment growth, Scottish income tax rates, National Insurance, Inheritance Tax, the Lifetime Allowance / Lump Sum Allowance transition rules, the Money Purchase Annual Allowance, state benefits interactions, or long-term care costs.
Before making any financial decisions, consult a qualified, FCA-regulated financial adviser who can assess your individual circumstances, goals, risk tolerance, and tax position.
This tool is provided "as is" without warranty of any kind. The operators accept no liability for any loss or damage arising from its use, including but not limited to errors in calculations, data inaccuracies, or decisions made based on the output.
Last updated: April 2026