Will you be comfortable?
And for how long?
You know roughly what's in your pensions. Maybe an adviser checks in once a year. giltedge turns it all into clear answers: when you can stop, what you can spend, and how long your money lasts.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
A few pensions. Some savings. A spreadsheet, or an adviser you see once a year. You're probably fine. But "probably fine" isn't the same as knowing you'll be comfortable for thirty years. giltedge gives you the full picture, whenever you want to look.
Three numbers.
Total peace of mind.
Everything you own, everything you spend and every pension you have, boiled down to the three answers that actually matter.
Your retirement date
The earliest month you can afford to stop work, and it moves as your life does.
Your comfortable income
How much you can spend each month once you stop, after tax, with the State Pension included.
Your runway
How long your money is projected to last, month by month, for both of you.
Illustrative example based on sample figures. Your results depend on your own numbers and assumptions.
What could you
comfortably spend?
Slide to your pensions and savings and the age you'd like to stop. See roughly how much you could spend each year and still have money left at 95.
This is a quick sketch for one person. giltedge does the full version, with tax, your partner, every pension and every big plan you have.
GeorgeAdd your real pensions and your partner's, and I'll show you exactly what comfortable looks like for you both.
Illustrative only. One person. Assumes 4% annual growth, with spending and a £12,000 State Pension from 67 both rising 2.5% a year. Ignores tax and fees.
The questions
on your mind.
Can we afford to stop at 60?
Pick an age and see straight away whether the money lasts, and if not, the earliest age it would.
What if one of us stops first?
Plan as a couple, with both incomes, both pensions and both State Pension dates on one timeline.
How much is the State Pension worth to us?
See exactly how much less you need from your own pots once one, then both, State Pensions start.
Can we still help the children?
Add a gift or a deposit as a future event and see what it means for your plan before you commit.
Comfortable means
never having to check.
Keep them.
Know more between reviews.
An annual review shows where you stood on one day. giltedge shows where you stand every day, so nothing waits twelve months for an answer.
- Before your reviewCheck your date and your runway, and know what you want to ask.
- After a big changeA bonus, a pay cut, a new pension or a gift to the kids. See the effect straight away, not next year.
- In betweenAsk George what any number means, any time, without booking a call.
- No adviser?giltedge gives you a clear picture on your own, and helps you spot when advice is worth paying for.
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 plans change?
One of you stops earlier, a pension pays less than you hoped, or you go part-time first. See the effect before you decide.
When Can I?When can I stop work?
Find the earliest month your plan works, or the year the new kitchen, the cruise or the gift to the kids fits.
How Much?How much can we comfortably spend?
See how much you can spend each month once you stop, and how much is left over for the nice-to-haves.
Illustrative example based on sample figures. Your results depend on your own numbers and assumptions.
See it last.
Year after year.
Watch your money build up to the day you stop, then see exactly how long it lasts, including the point the State Pension starts to help.
Meet George.
Ask him anything.
George is the assistant built into giltedge. He sits in the corner of every screen, so whenever something doesn't make sense, you just ask him. Can we afford it? Why did my date move? What would help? He answers in plain English, using your plan.
- Explains any figure, chart or term
- Flags gaps in your plan worth a closer look
- Only uses your figures when you say so
Everything that moves
your date.
Set it up once in a few minutes. After that, giltedge keeps your plan current, every tax year.
Workplace schemes, personal pensions and that old one from your first job, all in one view so nothing gets forgotten.
Tax, built in
Estimated using current UK tax bands, Scottish rates included, and kept up to date each new tax year.
Bills vs nice-to-haves
Split your spending into what you can't avoid and what you choose, and see how each one affects your date.
Your numbers, your way
We start with standard growth rates you can see. Change them any time if you'd like.
Plan as a couple
Add your partner's pensions and savings and get one plan for you both.
What does comfortable
look like to you?
Everyone's answer is different. giltedge shows you whether yours is affordable, and for how long.
£15 a month.
Check in whenever you like.
No appointments and no percentage of your pot. Just a clear answer, every time you look.
- A flat fee£180 a year, the same however big your pensions and savings grow.
- 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.
Know you'll be comfortable.
Then go and enjoy it.
When you can stop, what you can spend and how long it lasts. Three answers, in less time than it takes to make a coffee.
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