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UK retirement and life planning

Play out your life.
As many times as you like.

PlanBox models UK tax, pensions and the State Pension all the way to one hundred, for the whole household: two retirement ages, the mortgage.

Most planners stop at retirement. PlanBox treats it as halftime.

Free to play · no sign-up to start · all figures in today's money

Timeline

Your life at a glance · drag to add events

live
Working
Part-time
Retired
Care
Today
Age 30£120k
Sabbatical
30405060708090
WorkingDrag a life event onto the line and the whole plan responds.

Ask the questions a calculator can't.

Retirement is the halfway line, not the finish line.

what if…

What if you retired at 60?

Drag retirement five years earlier and watch the pot bend.

what if…

What if the markets are awful for a decade?

Run the pessimistic scenario and see who blinks first.

what if…

What if you sold the house?

Drop a downsize on the line and release the equity.

  • No account linking - we never see your bank
  • Your plan stays on your device until you choose to sign in
  • UK tax year 2026/27 built in
  • Free to play

Five views of the same life.

Open each one. They all move together: change anything, and every view updates at once.

TodayAge 38RetireAge 65Events6Plan toAge 100

Every milestone (retiring, a sabbatical, an inheritance, downsizing, care) lives on one draggable line. Grab an event from the tray, drop it on an age, and the whole plan recalculates around it. Drag it again to move it; drop it off the line to remove it.

Drag onto the line to add
SabbaticalInheritanceGiftBuy homeDownsizeMilestone
Sabbatical
30506580100
Incomesalary → pensionOutgoingstracked lineTax & NI2026/27
Peak~£980kAtAge 67Made ofproperty · pension · savings
Success86%MethodMonte CarloTested toAge 100
Pessimisticcautious returnsNormalmiddle of the roadOptimisticgood decades
The honest bit

Where the money comes from.

PlanBox is free to play with. A few advanced features (unlimited plans backed up in the cloud, the full side-by-side Compare view) sit behind a small Pro tier you can take or leave. And if we ever point you toward a pension provider or an adviser, we'll show you exactly how we're paid for it, on the same page. The numbers come first. Always.

Your next sixty years are one drag away.

Open the sandbox

Or skip the blank page: load a starter plan - a young renter, a family with a mortgage, or DINKs at 40 - and make it yours.