You're doing the right things.
Are they adding up?
A workplace pension, an ISA, maybe a spreadsheet you update when you remember. giltedge brings it all into one plan and shows you the date you could retire, with UK tax worked out for you.
14 days free, then £15 a month. Card needed, auto-renews until you cancel.
A pension you never look at. An ISA you top up when you can. A spreadsheet you last opened in March. It's not that you aren't saving. It's that nobody has told you whether it's enough. giltedge does, using your own numbers.
Somewhere between
a spreadsheet and an adviser.
Spreadsheets take more upkeep than anyone has time for. Advisers are worth it at the big moments, but most of the time you just want a straight answer. giltedge is for all the months in between.
Already have an adviser? Keep them. giltedge gives you a clear view between reviews, so you walk into the next one knowing exactly what to ask.
The questions
you've been meaning to answer.
Is my workplace pension enough?
See what your pension is projected to be worth when you stop, and whether it covers the life you want.
What about my old pensions?
Add the pensions from previous jobs so none get forgotten, and see what they add to your plan.
What does paying in a bit more do?
Try an extra £50 or £100 a month and see how far it moves your retirement date.
Can I buy a home and stay on track?
Add a deposit as a future event and see what it does to your plan, before you commit.
Small changes now.
Big difference later.
At your age, time does most of the heavy lifting. Slide to an extra amount you could put away each month and see what it could grow to by 67.
In giltedge you can try it on your real plan and see exactly how many months it takes off your retirement date.
GeorgeAdd it as a change in your plan and I'll show you how much earlier your retirement date could be.
Illustrative only. Assumes 5% annual growth, contributions held flat, and no tax relief, fees or inflation.
Retirement feels a long way off.
That's your advantage.
No spreadsheet skills.
Three steps to your date.
Set it up once in a few minutes and giltedge keeps it current from then on.
Add it all
Pensions, ISAs, savings, property and debts. Everything you own and owe, in one place.
Calculate
giltedge projects everything forward month by month on sensible default rates, with UK tax built in.
Count down
You get one date, and it moves as your life does. A pay rise, a new job or a big purchase all show up straight away.
Ask the question.
See your date move.
Your 30s rarely go to plan. Each giltedge card takes a real-life question and shows you how it changes your path to retirement, using your own numbers.
What If?What if life changes the plan?
A new job, a career break, a baby, a pay cut. Try it out and see how far your retirement date moves, before you decide anything.
When Can I?When can I stop work?
Find the earliest month your plan works, or the year the first home, the wedding or the big trip fits without pushing your date back.
How Much?How much can I spend and stay on track?
Saving for later shouldn't mean missing out now. See how much you could 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 life.
On one chart.
See your money build up while you work, dip when life happens, then see how it's drawn down after you stop, right up to the point the State Pension starts and beyond.
Plan the big stuff
before you commit.
A first home, a wedding, a new job. 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.
No question too basic.
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. What's a SIPP? Why did my date move? Am I on track? He answers in plain English, using your plan, and never makes you feel silly for asking.
- Explains any figure, chart or term
- Flags gaps in your plan worth a closer look
- Only uses your figures when you say so
All your money.
One clear answer.
No formulas to maintain. giltedge does the maths and shows its working, so you can understand it as well as trust it.
Your current workplace pension, the ones from old jobs and any personal pensions all sit in one view, so the one from your first job doesn't get forgotten.
Tax, built in
Worked out using current UK tax bands, Scottish rates included, and kept up to date each new tax year.
Committed vs optional
Split your spending into what you can't cut and what you choose, and see what each one does to your date.
Sensible defaults
Start on default growth rates you can see. Tune any of them later, if and when you want to.
Plan as a couple
Add your partner's pensions and savings and see one shared plan, together.
What are you
saving for?
Everyone's answer is different. giltedge shows you how to fit in the things you want now and still retire when you want to.
£15 a month.
Whatever your pot.
Advice fees often grow as your pot does. giltedge doesn't. It's the same £15 a month at 30 as it is at 60.
- A flat fee£180 a year, the same whether your pot is £20,000 or £500,000.
- 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.
Stop wondering.
Start knowing.
Find out whether what you're doing is enough, and what would change it, 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 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