You've built the pot.
Now make it last.
Pensions, ISAs, the State Pension and your partner's plans too. giltedge models drawing it all down, month by month and with UK tax worked out, so you can see exactly when you can stop and whether it lasts.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
Your spreadsheet knows every pot to the penny. It's served you well for twenty years. But building the pot was the easy part. Turning it into an income, after tax, for thirty years, for two people, is where the formulas start to creak. giltedge was built for exactly that.
Your spreadsheet built it.
giltedge draws it down.
Moving your numbers across takes minutes. After that, every tax year, every assumption and every "what if" is handled for you.
Using a retirement app, or a cashflow model from your adviser? giltedge shows its working, so you can check every assumption yourself.
The questions
that matter now.
Will it last for both of us?
Plan as a couple, with both sets of pensions, savings and State Pension dates on one timeline, through to the end of your plan.
How much tax will I pay?
Tax on every withdrawal is estimated using current UK rules, so you see your income after tax, not before.
What if markets fall as I stop?
Cut your growth rate and see whether your plan still holds, and how much you'd need to trim to keep it on track.
When does the State Pension kick in?
See exactly how much less you need to draw from your pots once one, then both, State Pensions start.
How long would
your pot last?
Slide to your pot and what you'd like to spend each year from 58, then see how long it lasts at 4% growth, and again if returns came in 2% lower.
This is a rough sketch. giltedge runs the full version month by month, with tax, both State Pensions and every pot you hold.
Lower returns cut your runway by about 10 years.
GeorgeIn your plan I can show which year it gets tight, and how much less you'd need to spend to keep it lasting to 95.
Illustrative only. Spending and a £12,000 State Pension from 67 both rise 2.5% a year. Ignores tax and fees, and shows the age the pot runs out, up to 100.
Thirty years of weekends.
Make sure they're funded.
Ask the question.
See your date move.
Each giltedge card takes a real-life question and shows you how it changes your retirement, using your own numbers.
What If?What if I wind down gradually?
Go part-time, take a consultancy role, or help the kids with a deposit. Try it out and see what it does to your plan before you decide.
When Can I?When can I stop work?
Find the earliest month your plan works, for you and your partner, without running short later on.
How Much?How much can we spend once we stop?
Decades of saving can make spending feel wrong. See how much you can comfortably spend each year and still keep your plan intact.
Illustrative example based on sample figures. Your results depend on your own numbers and assumptions.
Month by month.
To the very end.
See your pots peak, then see how they're drawn down after you stop, including the point the State Pension starts taking some of the strain.
Test the big decisions
before you make them.
Downsizing, helping the children, a place in the sun. Add it as a future event and see the effect on your plan straight away.
If something doesn't fit yet, giltedge shows the earliest date it would, based on your numbers.
Start your free trial14 days free, then £15 a month. Card needed, auto-renews until you cancel.
Meet George.
A second pair of eyes.
George is the assistant built into giltedge. He sits in the corner of every screen, so when a number surprises you, you can ask him why. Why did my date move? What happens if growth disappoints? Where does it get tight? He answers in plain English, using your plan.
- Explains any figure, chart or assumption
- Flags gaps in your plan worth a closer look
- Only uses your figures when you say so
No black box.
Every assumption on show.
You've checked your own numbers for years. giltedge shows its working, so you can check, change and stress test ours.
Tax on withdrawals and income is estimated using current UK tax bands, Scottish rates included, and kept up to date each new tax year.
Your rates, not ours
Growth and other rates start at defaults you can see. Swap in your own any time in Assumptions.
Every movement, exported
See each year's movements and download the lot as a CSV whenever you want to check it your way.
Stress test it
Cut your growth rate, raise your spending, and see exactly what breaks and when.
Plan as a couple
Add your partner's pensions and savings and see one shared plan, together.
What's the next
chapter for?
Everyone's answer is different. giltedge tells you when you can start on yours, and how long it can last.
£15 a month.
Flat. Not a percentage.
On a pot your size, a fee charged as a percentage can run to thousands a year. giltedge stays at £15 a month however big your pot gets.
- A flat fee£180 a year is 0.02% of a £900,000 pot, and it stays £15 a month whatever your pot is worth.
- Everything in the trialEvery card, the full month-by-month projection and George, your built-in assistant, from day one.
- Try it properly first14 days free. You add a card to start, and nothing is charged until the 14 days are up. Cancel before then and you pay nothing.
- Then £15 a monthYour subscription renews automatically each month until you cancel.
You did the saving.
Now enjoy the spending.
See exactly how your pots turn into an income, after tax, for as long as you need it.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
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, State Pension amounts 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