Hoping it all works out?
Let's find out.
No spreadsheets, no jargon, no judgement. Add what you've got and giltedge shows you, in plain English, when you could retire and whether your money would last.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
A workplace pension you've never opened. Savings that go up and down. A quiet feeling you should probably be doing more. That's completely normal. Nobody teaches you this stuff. giltedge explains it in plain English and shows you where you actually stand.
You're not behind.
You just haven't looked yet.
I don't know what's in my pension.
Most people don't. If you've had a job in the UK, you've almost certainly been paying into one. giltedge puts them all in one place.
I'll sort it when I earn more.
Time matters more than the amount. Small, early steps usually do more than big, late ones.
Won't the State Pension cover it?
The full State Pension is around £12,000 a year and doesn't start until 67, which could rise. For most people it covers the basics, not much more.
Retirement is ages away.
It is, and that's your biggest advantage. The sooner you know where you stand, the easier it is to change.
Starting now
beats starting big.
Putting it off feels free. It isn't. Slide to an amount you could put away each month and see what waiting five years could cost you by 67.
You don't need to change anything today. Just knowing your number is a good first step.
Waiting costs about £26,200, even though you'd only pay in £6,000 less.
GeorgeAdd what you've already got and I'll show you where you stand today. No maths needed.
Illustrative only. Values at age 67, assuming 5% annual growth, contributions held flat, and no tax relief, fees or inflation.
No maths.
Three steps to your date.
It takes a few minutes to set up. After that, giltedge keeps it up to date for you.
Add what you've got
Your pension, savings, any property and debts. Everything you own and owe, in one place.
We do the maths
giltedge projects it all forward month by month, with UK tax and the State Pension built in.
Get your date
One date you could retire, and it moves as your life does. A new job, a pay rise or a big purchase all show up straight away.
Future you
will thank you.
Meet George.
Ask him anything.
George is the assistant built into giltedge. Ask him the questions you'd feel silly asking anyone else. What even is a pension? Is my number good? What happens if I change jobs? He answers in plain English, using your plan.
- Explains every number and every word
- Points out gaps in your plan worth a look
- Only uses your figures when you say so
Ask a question.
Get a straight answer.
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 life changes?
A new job, a pay cut, a baby, a move. Try it out and see what it does to your retirement date, before you decide anything.
When Can I?When can I stop work?
Find the earliest month your plan works, or the year that holiday, car or first home fits without pushing your date back.
How Much?How much can I spend and still be OK?
Planning ahead doesn't mean giving everything up. See how much you can spend each month and still keep your date.
Illustrative example based on sample figures. Your results depend on your own numbers and assumptions.
Your whole future.
One picture.
See your money build up while you work and how long it lasts once you stop, including when the State Pension kicks in.
What would you do
with more time?
Everyone's answer is different. giltedge tells you when you could start on yours.
£15 a month.
About 50p a day.
Less than a takeaway, for knowing where you stand all year round. No percentages, no hidden fees.
- 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.
It's probably better
than you think.
Spend a few minutes finding out where you stand, then stop worrying about it and get on with your life.
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