Wealth projection ChartBrass/amber = money you can reach. Deep brown = pensions (locked until access age). The dashed marker is your retirement age.
What's ahead
Key insights
Worth knowing
Annual cashflow Chart
What's shaping your retirement age
Your retirement options Chart
What pays for your retirement
What you'd need to retire earlier
Move a lever
Your goals
About you
Income
Your income
Housing
Living costs
Everyday spending
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.
Left alone, it pre-fills at six months of your housing plus lifestyle costs.
Loans
Car finance, a personal loan: anything with a balance, a rate and an end date. Each is repaid on schedule and then stops, so it drops out of your outgoings.
Your mortgage isn't here: it lives on the Housing page. Student loans sit with the income they're repaid from.
Children
Nursery, school and university costs arrive on a schedule and then stop. Aelyx works out which years each one lands in from the birth year you give.
Your savings
Entered by wrapper, because each has its own tax treatment and access rules: that's what lets the plan work out which pot to draw on, and when.
Pension
Life events
Home moves
Target retirement spending
Monthly retirement expenses
Here's where you stand
What's left after tax and everyday spending, as a share of gross salary and bonus: money you could still choose to save.
Pension taken before your pay lands isn't counted: it never reaches your bank account, so it's already committed.