Every FIRE plan comes down to one question: when can you stop, and will the money last? giltedge answers it month by month, right out to the end of your plan. Add your salary, ISAs, SIPPs, property, cash and debts, and giltedge projects how they grow, how they're taxed under current UK rules (Scottish rates included), and how they're drawn down once you stop work. That includes bridging the gap before your pension unlocks and the point where the State Pension starts. Thinking of retiring abroad or have ties across the Atlantic? giltedge also handles US and Canadian tax. Want to test a big purchase, a property sale or an earlier retirement date? Add it as a future event and see the effect straight away. If something won't be affordable, giltedge tells you the earliest date it will be. No spreadsheets to maintain and no formulas to break, just a clear view of your financial future that you can trust.