What it means
Wealth projection
Ways to read your plan
Monthly cashflow Chart
At retirement, and at the end
Stress test: ±1% on growth & mortgage rate
Move a lever
Your goals
About you
Income
Your income
Housing
Living costs
Everyday spending (now)
Everyday spending (now)
Everything except housing, one joint lump sum, in today's money. You don't need to inflate it; the model holds it constant in real terms so it grows with inflation automatically. Your housing cost lives in the Home section (your rent, or your home's ongoing cost if you own).
Intended emergency cash fund
How much cash you intend to keep ring-fenced as a safety buffer — carved OUT of your savings, not an amount you hold today. The engine protects this much cash across the household and never touches it (no deposit, overpayment or investing — only a genuine retirement shortfall can).
It's a floor: hold less cash than this and all of it is protected. Set to 0 to free it up.
Children
Your savings
Savings you already have
Your savings by wrapper. The chart adds these up, plus your home equity.
Pension
Partner's savings
Savings they already have
Pension
Here's where you stand
Net worth mix Chart
Cash flow Chart
Spending over time Chart
Career & windfalls
Family plans
Home moves
Retirement spending
Retirement spending
Retirement spending
What you want life to cost once you've retired, excluding housing — housing is worked out for you above, from what you told us about today. Plan-to-age default is 95 — everything ("does it last?", wealth at the end) is measured against this age.