£20 · three tools
Three honest tools to see where you actually stand — and where you're headed. No guru telling you it's too easy or too late. Just clear numbers.
The reason to buy
Most retirement calculators give you one number and pretend it's the truth. This one runs your situation through hundreds of possible market futures and shows you the honest range — including what happens if you get unlucky.
UK-specific: State Pension, tax-free lump sum, the lot. And it isn't use-once — test retiring earlier, spending less, a house move, and re-run your numbers every year as life shifts.
Work out what your ideal life actually costs, per year and per month. A real target you can plan toward, not a fantasy figure.
UK edition, 2026–27. A guided Excel and Google Sheets workbook covering the six numbers every plan rests on: net income, expenses, pensions, assets, debts and net worth. Built on the 50/30/20 rule, with a 60/25/15 version for late starters catching up.
Walks you through using all three together, in order, so you're not left staring at three separate tools wondering which one to open first.
Two of these three tools are free elsewhere on this site. What the £20 buys is the Retirement Simulator — which isn't available anywhere else — plus all three in one place with a Start Here guide that walks you through using them together.
You should know that before you buy, not after.
The price is £20 + UK VAT, so £24 all in. Gumroad handles payment and delivery and charges in US dollars, so you'll see a dollar figure at checkout. That's the platform, not a hidden fee.