£381,186 below your goalOct 2036
Your next chapter
Make room for possibility.
Explore what small changes today could mean for your future.
Example planning studio. These balances are fictional. Change the assumptions to explore how the model works. No account connection is needed.
Your possibilities
A plan for every what if.
Try life events below, then see how two example plans compare.
Today's money
A view of what could be.
Starting net worth£535,588
Included assets£644,238
Existing liabilities£108,650
Your owned portfolio. Liabilities stay fixed. Property and pensions may not be available to spend.
Worst case -2%Mid case 3%Best case 6%
Use arrow keys to explore monthly values. Home returns to today. End selects the last month.
10 years of possibilities. Adjusted for 2.5% annual inflation. The horizontal dotted line marks your goal.
£104,045 below your goalOct 2036
Goal met at target dateOct 2036
Under the numbers
What builds your mid case?
In future money, before adjusting for inflation.
Start£535,588
New money£60,000
Growth£231,288
Funded spending£0
Future net worth£826,876
Year by yearExact figures and a monthly export
| Date | Worst case | Mid case | Best case |
|---|---|---|---|
| Oct 2026 | £535,588.29 | £535,588.29 | £535,588.29 |
| Oct 2027 | £515,754.46 | £547,314.63 | £566,249.61 |
| Oct 2028 | £496,701.64 | £558,875.89 | £597,656.13 |
| Oct 2029 | £478,397.71 | £570,276.68 | £629,840.64 |
| Oct 2030 | £460,811.95 | £581,521.51 | £662,836.90 |
| Oct 2031 | £443,914.90 | £592,614.78 | £696,679.63 |
| Oct 2032 | £427,678.37 | £603,560.78 | £731,404.56 |
| Oct 2033 | £412,075.33 | £614,363.71 | £767,048.50 |
| Oct 2034 | £397,079.91 | £625,027.66 | £803,649.33 |
| Oct 2035 | £382,667.32 | £635,556.63 | £841,246.06 |
| Oct 2036 | £368,813.81 | £645,954.51 | £879,878.90 |
The CSV contains every month, both money views, funded withdrawals, any spending shortfall and the assumptions used.
How this model worksTransparent assumptions, clear limits
The starting point is your current included portfolio at your ownership share. Nothing here changes your recorded net worth.
- Illustrative growth assumptions, not forecasts or probabilities.
- One blended rate applies to all included assets. Property and locked pensions are not necessarily available to spend.
- Existing liabilities stay fixed. Debt interest, repayments, taxes, transaction fees and changes in exchange rates are not modelled.
- Contributions must be new money from outside this portfolio. Transfers between your own tracked accounts are not contributions.
- Contributions and planned withdrawals are fixed nominal amounts. Withdrawals stop at available assets and any unmet spending is shown separately.
- Life events are external income or spending at month end. Buying an asset or moving money between tracked accounts is not an external flow.
- Growth is compounded monthly using the monthly equivalent of your annual rate. Monthly contributions and one off income arrive at the end of each month, followed by regular spending and one off expenses. Unfunded expenses are shown as a shortfall, not new borrowing.
- A goal uses the money view you select. In today's money, a goal represents today's purchasing power. It does not add a withdrawal or reserve cash.
- Changing the money view changes the meaning of the same goal amount. Review your target when switching views.
Assumptions used
Modelled from 4 October 2026 for 10 years. New money: £500.00 monthly through year 10. Planned spending: £0.00 monthly from year 1.
Annual growth: worst -2%, mid 3%, best 6%. Annual inflation: 2.5%. Goal: £750,000.00 in today's money, after 10 years.
Liabilities remain fixed. Asset availability, taxes, fees and debt repayments are not modelled. These scenarios are illustrative assumptions, not probabilities or promises. Unfunded spending is shown separately.