The retirement planning app

See the date you can retire.
All in one app.

giltedge is an app for your phone, tablet or laptop. It adds up your pensions, ISAs and savings, works out the UK tax, and shows you when you can stop work and how long the money lasts.An app that adds up your pensions, ISAs and savings, and shows when you can retire.

  • Every pension in one placeOld jobs, your current one, ISAs and the State Pension.
  • Your retirement date, worked outProjected month by month, with UK tax built in.
  • Try "what if" before you decideA new car, a wedding, school fees. See the cost first.
  • Ask George, in plain EnglishYour built-in assistant explains any number or term.
Try the app free for 14 days

No card needed. Then £15 a month, only if you keep it.

  • Works on iPhone, Android & desktop
  • No bank login needed
  • Not advice, sells nothing
or try the calculator ↓

The giltedge app · iPhone, Android & desktop

See it before you sign up

Watch Jess find
her retirement date.

An interactive tour of the giltedge app. Follow one plan from a forgotten pension to a date Jess can plan around, and take the controls yourself along the way.

  1. 01Add it upShe finds a forgotten pension and adds it in
  2. 02See your dateWhen Can I? and the GE Card
  3. 03Try what ifA £14k car, and £190 a month of spending room
  4. 04Stay on trackAsk George, and a 30-second check-in
  • About 2 minutes
  • No sign-up
  • Opens right here
NET WORTH · OLD PENSION ADDED£54,000 → £64,200
CAN I RETIRE?Yes, at 61. Money lasts past 95.
WHAT IF? · NEW CAR£14,000 today is −£45k by 2051.
Interactive ClickTap to play · you tap along
Try it now, no sign-up

What could £100 a month
turn into?

At your age, time does most of the heavy lifting. Move the sliders and see what a little extra each month could grow to by 67.

In giltedge you do this on your real plan, and see exactly how many months it takes off your retirement date.

Could grow to, by age 67 £113,600 You'd pay in £42,000. Growth does the rest.
See it in the app with my numbersTry it with my numbers

Illustrative only. Assumes 5% annual growth, contributions held flat, and no tax relief, fees or inflation.

Inside the app

Ask the question.
Get a straight answer.

When Can I?

When can I stop work?

Pick the date you'd like to stop work and see whether your money lasts. Try another date and ask again. Nothing is saved.

What If?

What does that really cost?

A car, a wedding, school fees. Put in a one-off or monthly cost and see what it does to your future, before you decide anything.

How Much?

How much can I spend now?

Saving for later shouldn't mean missing out now. Choose how much you want to keep put by, and see how much more you could spend each month.

Illustrative example based on sample figures. Your results depend on your own numbers.

The detail, if you want it

Built for UK rules.
Not a generic calculator.

A free pension calculator looks at one pot, once. giltedge puts every pot, your spending, tax and life plans into one projection that stays current.

Workplace & personal pensionsISAs & savingsState Pension from 68Property & mortgagesDebtsUK income tax, Scottish rates includedUpdated each tax yearGrowth rates you can see and changePlan as a coupleCommitted vs optional spendingCSV export

Get the app.
Three steps, five minutes.

01

Open the app

Tap the button and sign up with email or Google, about 30 seconds. No card and no app store. Add it to your home screen and it opens like any other app.

02

Add what you have

Pensions, ISAs, savings and what you earn and spend. Rough numbers are fine to start.

03

Get your date

giltedge projects it all forward with UK tax built in, and shows when you can retire and how long it lasts.

Try the app free for 14 daysNo card needed

What the giltedge app is

  • A planning app that shows the maths behind your retirement
  • One flat price, the same whatever the size of your pot
  • For you, or for you and your partner together
  • A clear view between adviser reviews, if you have one

What it isn't

  • Not a bank, and it never moves your money
  • Not selling you pensions, funds or products
  • Not regulated financial advice
  • Not another spreadsheet to keep up

Quick questions.

What does it cost?

Nothing for the first 14 days, and you don't need a card to start. If you want to keep going after that, it's £15 a month or £150 a year, the same whatever the size of your pot. If not, just stop using it.

Is it a proper app?

Yes. giltedge is a full app that works on iPhone, Android, tablets and laptops. You get it straight from your browser instead of an app store: tap the button, sign up, and add it to your home screen in two taps. It opens full screen like any other app, and it is always the latest version.

How is this different from a free pension calculator?

A calculator gives you one number for one pot, based on what you type in that day. giltedge holds everything: every pension, ISA, savings account, your partner, your spending and future plans like a house or a career break. It projects them together month by month with UK tax, and your date updates whenever something changes.

Do I have to link my bank?

No. You type in your balances and what you pay in. Rough numbers are fine to start, and you can tighten them up later.

What happens to my data?

Your figures are only used to run your plan. They are never sold or shared. George only looks at your figures if you say yes. If you want to leave, just ask us and we'll delete your account and everything in it.

Is this financial advice?

No. giltedge is a planning tool. It doesn't recommend or sell products. It shows you the numbers so you can decide, or walk into a meeting with an adviser better prepared.

Stop wondering.
Get the app.

Find out whether what you're doing is enough, and what would change it, in about five minutes.

Try the app free for 14 days

No card needed. Then £15 a month if you want to keep it.

giltedge is a financial planning and forecasting tool. giltedge and George do not provide regulated financial advice and do not recommend specific investments, pensions or other financial products. Projections are estimates, not guarantees, based on the information you enter, current tax rules and the growth assumptions shown in the app. Tax rules, pension access ages and State Pension age can change. Investments can go down as well as up, and your actual results may differ. People, figures and dates shown on this page are illustrative examples. Consider speaking to a regulated financial adviser before making investment or retirement decisions.

Giltedge LLP, registered in England and Wales (Partnership No. OC461578), 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ

Try the app free, no card 14 days free
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