Plan your financial future
Pension Cashflow Modeller helps you see how your money sets you up over time. Model your accounts, pensions, savings and expenses in one place. Free to use. UK-focused — your data stays on your device.
Everything you need to plan
One place for your accounts, income, expenses and projections — free to use, guidance only
Model your finances
Accounts, pensions, savings, ISAs and debts in one place. See how they work together over time.
Lifetime projections
Net worth, income vs expenses and tax over time. Year-by-year view so you can plan with confidence.
UK tax & State Pension
UK tax assumptions and State Pension. Personal Savings Allowance supported. Reference data built in.
Step-by-step checklist
From plan setup to accounts, incomes, expenses and analysis. Tick off as you go, with links to each screen.
Backup & restore
Export or import your data. Move to a new phone by backing up on the old device and restoring on the new one.
Try scenarios
Change inflation and growth assumptions to see how your plan changes. No commitment — explore what-if.
How it works
Get started in minutes
Set up your plan
Add your date of birth, planning horizon and assumptions (inflation, growth). Solo or with a partner.
Add accounts & expenses
Current account, savings, pensions, ISAs, debts, income and regular expenses. Use the checklist to guide you.
View your projections
See net worth, income vs expenses and tax on the Home screen. Dig into Analysis and try different scenarios.
🛡️ Your data stays with you
Financial data is stored on your phone. We don’t hold your plan or account details on our servers. Use backup & restore when you change device.
Download the app
Use Pension Cashflow Modeller on your phone for the full experience