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What information you need

• Date of birth (you and your partner). Sets your State Pension age and the plan timeline.
• Salary and bonus, before tax. Your payslip or employment contract.
• Pension pot values. Annual statements or your provider’s app — one entry per pot, with your and your employer’s contribution percentages.
• Final salary (defined benefit) pensions. The scheme statement shows the annual pension and normal pension age.
• State Pension qualifying years. gov.uk/check-state-pension or gov.uk/check-national-insurance-record — 35 years gets the full amount.
• Savings and investments. Balances for cash, ISAs and any taxable investment accounts, plus what you add monthly.
• Property. Home value and mortgage (balance, rate, monthly payment); for rentals, the rent and running costs too.
• Spending. Roughly what your household spends per month now, and what you would like to spend in retirement — or pick a PLSA Retirement Living Standard in the planner.
• One-offs. Expected inheritance, planned house sale or downsizing, big purchases.

Don't have everything? Start anyway — the planner uses sensible defaults, and every assumption can be refined later. Or upload a spreadsheet on the planner page and the AI will tell you exactly what is missing.

Saving your plans. By default everything stays in this browser. Sign up / in with Google (top right) to save your scenarios to your account and pick them up on any device.

Ask the assistant

The planner assistant lives in the bottom-right corner of every page — tap 💬 Ask the assistant. It can see the plan you are working on and its results, so you can ask things like "where do I find my State Pension forecast?", "how did you calculate my net worth at retirement?" or even "set my retirement spending to £2,500 a month" — changes are only applied after you confirm them.

Guidance only — the assistant cannot give financial advice or recommend products.