The wealth plan gives you a year-by-year forward projection of your income, expenses, assets, and net worth — from today through retirement and beyond. Fill in the setup form, generate the plan, then fine-tune individual cells in the table.

Getting Started

Choose your currency, set the plan start year, retirement year, and how many years to project. Enter your current income, living costs, and savings. The tool will generate a full table you can scroll through.

Inflation & Portfolio Returns

Enable inflation to have expenses grow each year based on historical CPI data for your currency's country. Select a portfolio risk profile to model investment growth — returns are drawn from long-run historical averages.

Pension Setup

Enter state, employment, and private pension details. The tool supports annuities (lifetime or fixed-term) and lump-sum payouts. Pension income appears automatically in the correct year.

Editing Individual Cells

Click any non-total cell in the table to override a value. Overrides are highlighted and persist across recalculations. Right-click a cell to clear its override.

Clearing Overrides

Use the "Clear Overrides" button to remove all manual edits and regenerate the plan purely from setup data.

Income Section

Shows earned income (pre-retirement), state pension, employment pension, private pension, and investment income. "Portfolio Return (Reinvested)" is a memo row — it shows growth that stays in the investment portfolio rather than being paid out as income.

Expenses Section

Covers living costs, housing, pension contributions (pre-retirement), tax liability, and other expenses. Pension contributions stop at retirement. Tax rate switches from pre- to post-retirement rate.

Income / Expense Surplus

The difference between total income and total expenses. A positive value means you're saving; negative means you're drawing from assets.

Assets & Net Worth

Tracks liquidity, investment portfolio, accumulated pension pots, and property. Net worth equals total assets minus total liabilities (mortgage). When surplus is negative, liquidity is drawn down first; if liquidity hits zero, the investment portfolio covers the remaining gap.

After generating a plan, scroll down to the Monte Carlo section. It runs hundreds or thousands of randomized simulations to show the probability that your savings last through retirement. Unlike the base plan (which uses a fixed return), Monte Carlo captures year-to-year volatility and sequence-of-returns risk.

A success rate above 85% is generally considered comfortable. Below 70%, consider adjusting spending, increasing savings, or delaying retirement.