Money Rescue · Retirement
Pass only
Find out what your savings will actually pay you.
AI turns your savings, contributions and timeline into a monthly income figure — then shows the gap against what you'd need, and the moves that close it fastest at your age.
Built in
projection calculator
6
readiness areas
15
min to start
The Problem
Most people are saving without knowing what it buys.
A balance means nothing until you convert it to monthly income
Half a million sounds like a lot and translates to a specific, much smaller monthly figure. Until you've done that conversion, you can't tell whether you're comfortably on track or badly behind.
Every 'you need £X' figure you've read was written for someone else
What you need depends on what you'll spend, what other income you'll have, whether the mortgage is paid, and how long you live. A single universal target can only be wrong for almost everyone reading it.
The claiming decision is worth a lot and gets made by default
Claiming a state or Social Security benefit earlier means smaller payments for longer; later means larger ones for less time. It's a genuinely consequential trade-off, and most people never sit down with it.
The advice is either free and generic or thorough and expensive
A proper plan from a fee-only adviser is worth it for complex situations. But most people never get far enough to know whether theirs is complex, because nobody has shown them the basic arithmetic first.
What You Get
Everything to see where you actually stand.
Projection Calculator
Balance and monthly income at three return assumptions.
Gap Analysis
Your own target from your spending, not a generic multiple.
Account Optimiser
Match, fees, account types and the Roth trade-off.
Claiming Trade-off
How the ages compare, and which factors decide it for you.
Readiness Self-Check
Six foundations rated, so you can see the weak one.
Quarterly Check-In
What you controlled, separated from what the market did.
How It Works
From guessing to a number you can act on in 15 minutes.
1
Enter your financial picture
Age, target age, what's saved, what you contribute, other income, and what you think you'd spend.
~5 minutes2
See what it produces and where the gap is
Monthly income at three return assumptions, your own target from your own spending, and the shortfall between them.
~3 minutes3
Close the gap and track it
The highest-impact moves at your age, the accounts sorted, and a quarterly check-in that separates your contributions from market noise.
~10 minutes1
monthly income figure your current path is on track to produce — with every assumption shown, so you can argue with it rather than take it on trust
3
return assumptions compared
6
readiness areas rated
0
products recommended
Questions
Everything you need to know.
Will it tell me exactly how much I need?
It'll help you work out your own figure from your own expected spending and other income — which is the only way that number means anything. What it won't do is quote a universal target, because what you need depends on your spending, your housing, your health and your longevity, and any single number applies to almost nobody.
How reliable is the projection?
The arithmetic is exact; the assumptions aren't, and it's explicit about which is which. You choose the assumed return from three options and see the result at each, and the monthly income figure uses a 4% withdrawal guideline — a rule of thumb from research on 30-year retirements that's widely debated and isn't a guarantee. Running the cautious assumption as well as the optimistic one is part of the checklist for exactly that reason.
I'm in my 20s or 30s — is it too early?
It's the cheapest time to act, because contributions made early have the longest to compound. Rather than quoting you a figure, the calculator lets you see what your own contribution does over your own timeline — which tends to be more persuasive than any example.
I'm in my 50s or 60s — is it too late?
No, but the levers are different and the tool says so. Later on, working slightly longer, adjusting expected spending, catch-up provisions and the claiming decision carry more weight than raising the contribution rate. It focuses on what still moves the needle at your stage rather than on what you should have done at 25.
Does it cover Social Security?
It explains the trade-off and the factors that decide it — but it won't tell you an optimal age, because that depends on your actual earnings record and how long you live, and nobody knows the second one. It sends you to ssa.gov for your real benefit estimate rather than working from an approximation.
Does this replace a financial adviser?
No. It gives you the basic arithmetic and the vocabulary so you can tell whether your situation is straightforward or genuinely complex — and it names the points where a fee-only fiduciary adviser is worth paying for. It doesn't recommend products, funds or providers at any point.
Reviews
Real people, real numbers.
Loading reviews…