Pension Cashflow Modeller helps you see how your money sets you up over time. Model your accounts, pensions, savings and expenses in one place. Free to use. UK-focused — your data stays on your device.
One place for your accounts, income, expenses and projections — free to use, guidance only
Net worth, monthly surplus, burn rate, cash runway, tax-free cash and SIPP drawdown — all on one Home screen. Tap Details on any metric to dig deeper.
The built-in checklist guides you from plan setup to accounts, income and expenses.
See how net worth, income and expenses evolve year by year. Nominal and inflation-adjusted views help you understand the long-term picture.
Open the year-by-year breakdown to inspect assumptions behind every projection.
Compare pensions, drawdown and other income against your regular outgoings. Spot when you might be drawing on savings or liquid assets.
Track accessible money — bank, savings, premium bonds, ISAs, GIAs and similar — against what you spend each year.
See liquid cash balance projected over your lifetime alongside expenses.
Estimated income tax on pensions, savings and drawdown — including Personal Savings Allowance. Track remaining tax-free cash (PCLS) across your SIPPs.
UK-focused reference data and State Pension support built in. Guidance only — not advice.
Visual money-flow diagrams for each account show what comes in, what goes out, and how pensions and drawdown feed your day-to-day spending.
Model accounts, pensions, savings, ISAs and debts together in one place.
Break spending into essentials vs non-essential, and by category. Change inflation and growth assumptions to explore what-if scenarios — no commitment required.
Export or import your data to move to a new phone with backup & restore.
Get started in minutes
Add your date of birth, planning horizon and assumptions (inflation, growth). Solo or with a partner.
Current account, savings, pensions, ISAs, debts, income and regular expenses. Use the checklist to guide you.
See net worth, income vs expenses and tax on the Home screen. Dig into Analysis and try different scenarios.
Financial data is stored on your phone. We don’t hold your plan or account details on our servers. Use backup & restore when you change device.
Use Pension Cashflow Modeller on your phone for the full experience