Will you have enough?
giltedge can tell you.
giltedge is an app that adds up your pensions, savings and State Pension, then tells you three things in plain English: when you could stop work, how much you could spend each month, and how long your money would last.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
Pensions, tax, State Pension ages. It can all feel like it was written for somebody else. It doesn't have to be. And whatever your age, it's not too late to find out where you stand. giltedge does the maths and explains it as it goes.
A sat nav
for your money.
giltedge is an app for your phone, tablet or computer. You tell it where your money is today, and it shows you where you're heading, when you'll get there, and what would change the route.
You add what you've got
- Your pensions, including old ones from past jobs
- Your savings and any ISAs
- Your home, and anything you owe
- Roughly what you earn and spend
giltedge does the maths
- Grows each pot forward, month by month
- Adds your State Pension when it starts
- Works out the tax for you
- Updates the moment anything changes
You get three answers
- When you could stop work
- How much you could spend each month
- How long your money would last
Three things to find.
We'll do the rest.
You don't need exact figures. Rough numbers are fine to start, and you can tidy them up as you go.
Your pensions
If you've worked for an employer in the last ten years or so, you've probably been paying into a workplace pension. Old letters or emails from pension companies are a good place to look.
Trace a lost pension on GOV.UK ›Your State Pension
Get a free forecast of what you're on track for and when it starts. It takes a few minutes online.
Check your State Pension on GOV.UK ›What you spend
A rough monthly figure is fine: your bills, plus what you spend on everything else. giltedge helps you split the must-haves from the nice-to-haves.
How long would
your money last?
Slide to roughly what you've got in pensions and savings, and what you'd like to spend each month once you stop at 66. The State Pension is included from 67.
This is a rough guide. giltedge works it out properly, with your real pensions, tax and your own State Pension forecast.
GeorgeAdd what you've found and I'll show you your real answer, and what would help it last longer.
Illustrative only. Stopping work at 66, with a £12,000 State Pension from 67. Assumes 4% annual growth, with spending and the State Pension both rising 2.5% a year. Ignores tax and fees.
Pension jargon,
in plain English.
You'll come across these in giltedge. Here's what they mean, and if anything else is unclear, just ask George.
Workplace pension
A pension your employer set up for you. Money goes in from your pay, your employer adds to it, and it's invested so it can grow until you need it.
Personal pension
A pension you set up yourself rather than through work. You might hear it called a SIPP, which is one type.
State Pension
A regular payment from the government once you reach State Pension age, which is 66 to 68 depending on when you were born. How much you get depends on your National Insurance record.
Drawdown
Taking money out of your pension bit by bit once you stop work, while the rest stays invested and can keep growing.
Stop wondering.
Start planning the good bits.
Meet George.
Patient. Plain-speaking.
George is the assistant built into giltedge. Ask him anything, as often as you like. What's a workplace pension? Is my number good? What would help? He answers in plain English, using your own figures, and he never makes you feel silly for asking.
- Explains every word and every number
- Points out anything missing from your plan
- Never recommends products, just shows you your numbers
Ask a question.
See what it means.
Each giltedge card answers one real-life question using your own numbers, so you can see what a decision means before you make it.
What If?What if I worked a bit longer?
Another year or two, going part-time, or paying a little more in. See what each one does before you decide anything.
When Can I?When can I stop work?
Find the earliest month you could afford to stop, without running short later on.
How Much?How much could I spend?
See how much you could comfortably spend each month once you stop, and how long that would last.
Illustrative example based on sample figures. Your results depend on your own numbers and assumptions.
All your money.
One clear answer.
Set it up once in a few minutes. After that, giltedge keeps everything up to date for you.
Work pensions, private pensions and that old one from a job years ago, all in one view so nothing gets forgotten.
Bills vs nice-to-haves
Split your spending into bills you can't avoid and things you choose, and see how each one affects your plan.
Tax, worked out
giltedge estimates the tax for you using current UK rules, so you see what you'd actually have to spend.
Updates as life does
A pay rise, a new job or a big purchase? Change it in seconds and your plan updates with it.
Plan as a couple
Add your partner's pensions and savings and get one plan for you both.
What would you do
with more time?
Everyone's answer is different. giltedge shows you when you could start, and how long you can keep it going.
£15 a month.
Cancel any time.
No percentage of your savings and no long contract. Just a clear picture of where you stand, whenever you want to look.
- A flat fee£15 a month, the same however much you have saved.
- 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.
Three clear answers.
A few minutes away.
When you could stop work, what you could spend, and how long your money would last. All in plain English, all from your own numbers.
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.
The pension tracing and State Pension forecast services linked on this page are free GOV.UK services and are not connected to giltedge. For free, impartial pensions guidance, you can also contact MoneyHelper, which is backed by the government.
Giltedge LLP, registered in England and Wales (Partnership No. OC461578), 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ