Calculators and logs

  • What will your retirement spending be?

    To have a fulfilling retirement your spending needs should not be more than your income. It is almost certain that your income in retirement will be less than your income whilst working. If your income is going to be less, you may have to reduce your spending.

    This section includes an Excel Spreadsheet that you can download that should help you understand where you currently spend money and how that may change in retirement.

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  • Retirement bridge template

    This Template relates to the section – The foundations on which you will build your retirement – Your Retirement Bridge.

    This template will help you understand the changes in your income that will occur as you transition into retirement.

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  • Spending / Investment monitor

    You retire, you have an identifiable amount of wealth, how much can you spend every year, with peace of mind that you will not run out of money? If you reduce your spending or use a cash reserve during times your portfolio is underperforming you may be able to spend more in future. When do you know when you should act? This template may help you with these decisions.

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  • How much money do you have?

    This calculation sheet relates to the section – The foundations on which you will build your retirement – Your Wealth.

    This calculation sheet helps you record exactly what wealth you have and what it consists of.

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  • Personal representative checklist

    To help your personal representatives it would be helpful for them to understand who to contact regarding your finances.

    This template should help you to record the information they will need.

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  • Withdrawal tool

    From the wealth you have, how much can you spend without worrying about running out of money. This simple calculator will give you some guidance.

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  • How to compare drawdown costs template

    What you will pay will depend upon how you use the facilities the contract provides, how much you have in your drawdown account, and any income you receive. To find the cheapest may mean on the face of it you may go for a more expensive headline charge. For instance a cheaper product may charge £25 per withdrawal. Over a year that is £300 if you are intending to make monthly withdrawals. If headline charge is only £100 higher you will be better off going with the higher headline charge.

    Charges fall into 3 areas, administration costs, investment costs and rebates / income you will receive. We have therefore set out this template in that style. Please also read the notes that accompany this template.

    You will need to complete this template for each drawdown provider you are considering.

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  • Download Checklist

    We expect that you will use this website for a period of years. Your initial fee provides you with 3 years access. Because of the variety of content that is covered, we would expect to update some of it as a result of changes in Government policy, Annual budgets, and the law.

    Also we wish to listen to our users. Our website is for your benefit. If we receive feedback from you that something was difficult to understand or could be improved upon we will consider those comments.

    This means that over time, the document currently on the site may not be the one you downloaded for your personal use. So that you can quickly check whether what you have is current we have produced a checklist of what the current versions of each item are.

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