Last updated 17 September 2026
Aelyx provides generic information and models scenarios you set up yourself. It does not provide financial advice or a personal recommendation, and nothing in the app should be treated as one. It does not consider your full circumstances (your wider finances, needs, goals, health, or attitude to risk) the way a regulated adviser would.
Your plan is modelled year by year by a detailed calculation and optimisation engine that applies current UK rules: income tax, National Insurance, allowances and thresholds, pension and ISA mechanics, and more. For the inputs and assumptions you give it, the modelling is thorough. What no model can know is the future: investment returns, inflation, your own circumstances and the rules themselves will change, so real outcomes will differ from any projection, and no result is a guarantee. Investments can fall as well as rise, and you may get back less than you put in. Treat the outputs as guidance to help you understand your options, not as advice.
Aelyx is not authorised or regulated by the Financial Conduct Authority (FCA) and does not carry out any regulated activity. It does not arrange, advise on, or sell any financial product.
Before making any financial decision, such as pensions, investments, mortgages, transfers, or tax, you should consult a suitably qualified, FCA-regulated professional who can consider your specific circumstances. For a defined-benefit ("final salary") pension in particular, regulated advice is strongly recommended and, above certain thresholds, required by law. You can check the FCA register at register.fca.org.uk and find advisers via retirement or advice directories.
Aelyx calculates tax on current UK rules as we understand them. Tax treatment depends on your individual circumstances and may change in the future.
Aelyx is built for UK residents and UK rules. It may be wrong or irrelevant if you are taxed elsewhere.
See also our Terms of Use and Privacy Policy. Questions: hello@aelyx.app.