ISA & Retirement Planner

Model accumulation with constant or advanced interest paths, then simulate retirement drawdown. Now with presets.

Presets

Open Deposits & Growth

1) Accumulation (Saving Years)

Start Age

Initial Lump Sum (£)

Years Saving

Annual Contribution (£)

Average Return p.a. (%)

Contribution Timing

Interest Path

Path Mode

Volatility σ % (random)

Random Seed

Optional: multiple phases (e.g., 5 yrs @ £30k, then 10 yrs @ £20k).

2) Retirement (Drawdown Years)

Retirement Age

Drawdown Years

Return p.a. during Retirement (%)

Withdrawal Mode

Withdrawal % (for % modes)

Fixed Annual £ (for fixed mode)

Show withdrawals in today’s money (inflation-adjusted)

Inflation p.a. %

State Pension

Include UK State Pension

State Pension Age

Current Annual State Pension (£)

Offset fixed £ withdrawals with State Pension from SPA

ISA withdrawals are tax-free (UK) Use Interest Path to model erratic years

3) Summary

Final Pot at Retirement

£0

After accumulation

Total Contributed

£0

All phases + initial

Peak Pot in Drawdown

£0

Across retirement

Total Withdrawn

£0

Over retirement (nominal, portfolio only)

Drawdown Insights

Year 1: Total Income

£0

annual • (£0/mo)

Average Withdrawal (all years)

£0

≈ £0/mo

Average Total Income (all years)

£0

≈ £0/mo

Avg Withdrawal (yrs 1–10)

£0

≈ £0/mo

Avg Withdrawal (yrs 11–20)

—

Avg Withdrawal (last 10 yrs)

—

Depletion

Never depleted

Min balance: £0 at age —

Withdrawal Range

£0 – £0

at ages —

State Pension Share

Pension £0 of total income £0

ISA & Retirement Planner

1) Accumulation (Saving Years)

Interest Path

2) Retirement (Drawdown Years)

State Pension

3) Summary

Drawdown Insights

Accumulation Balance Over Time

Retirement: Balance & Withdrawals

Accumulation — Yearly Breakdown

Retirement — Yearly Breakdown