Model The Decisions You Are Considering
See what a life choice could mean for cash flow, tax and retirement — under UK rules you can inspect — before you commit.
The Decisions You Are Weighing
If a house, a pay change, a child or stopping earlier is on your mind, start there — not with a list of tools.
Home & Move
Buying, selling or remortgaging is hard to reverse. Model whether the house still leaves room for the rest of life — not just whether the mortgage fits this month.
- Purchase, sale, remortgage and overpayment on one timeline
- Stamp duty and UK property tax assumptions you can open
- Personal and limited-company BTL rental paths where relevant
Work & Pay
A pay rise, a pay cut, or one partner stopping work changes tax, pensions and childcare together. See the connected picture before you decide blind.
- Job and pay changes, parental leave, stop or start work on the timeline
- Partner income and household cash flow in the same model
- Student loan repayments and higher-rate tax interactions
Family & Children
Another child is not only nursery fees. Model Child Benefit, the clawback that starts once one parent earns over £60k, funded hours and tax-free childcare alongside income — so the fog is thinner before you commit.
- Child Benefit and its higher-earner clawback (HICBC, £60k–£80k) modelled automatically
- Funded childcare hours and tax-free childcare assumptions
- Maternity and paternity markers on the life timeline
Business & Extraction
Model salary versus dividend paths for a limited company — illustrative comparisons under stated assumptions.
- Salary versus dividend modelling, including directors’ loan repayments
- Corporation tax and National Insurance calculations
- Sole trader, partnership and Ltd company structures
Retirement Timing
Ask whether you could stop earlier — with pensions sitting in the same model as work, property and family, not as a separate calculator.
- Workplace, SIPP, defined benefit and State Pension modelling
- Tax-free lump sum and withdrawal path illustrations
- ISA allowance and capital gains tax assumptions in context
Stress-Testing Markets
Markets are uncertain. Explore ranges of outcomes where useful — and treat every chart as an illustration under stated assumptions, never a promise.
- Monte Carlo path bands to show a spread of market outcomes
- Historical and scenario-driven return assumptions you can review
- Track My Progress: recorded numbers next to the modelled path
One Change Moves The Rest
A house, a child or a pay cut is never only that line in a spreadsheet.
The Knock-Ons Are The Point
Stamp duty, the higher-earner Child Benefit charge, student loans and pension contributions move together. Changing one assumption without the others hides what the choice actually does to your money.
Confidence You Can Audit
Read a plain-language verdict, then open tax, cash flow and assumptions. Trust comes from seeing the working — not from a black box score.
Avoid Deciding Blind
The cost of a wrong irreversible choice often outweighs the comfort of guessing. Model first; decide when the trade-offs are visible.
Stay Aligned With The Path You Modelled
Track My Progress lets you record how things went versus the path you modelled — so drift is visible early.
Have A Look For Free
Two free what-ifs. No credit card. Go further when one choice really matters.