Your financial future. Linked.
FLYNQD brings your income, spending, savings, investments and pensions together, so you can see how today’s choices could shape your life. Without the complexity.
Where are you in life? Pick a picture to get started.
StudyingLeo: “I wonder how much I could earn in interest if I kept just what I need in my current account and put the rest into savings?”
Starting outAisha: “I wonder how much I'd need to save each month to buy a place of my own in the next few years?”
Family lifeCharlotte and Edward: “We wonder whether we could afford school fees for Emily alongside the mortgage and everything else we're planning?”
Nearing retirementBrian: “I wonder what all my pensions and savings could give me each year, and how soon I could afford to retire?”
Working lessJo: “I wonder if I could drop to three days a week and still be comfortable until I stop working altogether?”
RetiredAnita: “I wonder how much more I could spend on travel and still keep enough set aside for later life?”
Characters are fictional, not real customers.
“Complicated, yet patronising. Boastful, yet limited. From calculators to cashflow tools, nothing quite fitted what I needed. So I built my own—and thought you might find it useful too.”
Try a forecast
Move a slider or type a figure. This plan is very simplified, just for playing, and nothing is saved. The chart may jump as the £ scale changes when you change the figures.
Savings and pensions last to age 95.
£ a month, before tax
£ a month
age
£ today
£ today
Build your plan at your pace
- Step 1Add what you know.Start with a few basic details and figures. Add the rest at any time.
- Step 2Explore your options.Try a different retirement age, spending level or pension contribution and see the effect.
- Step 3Plan for life’s big decisions.Explore buying a home, changing work, retirement and helping your family.See the planning journeys
- Step 4Save and revisit your plan.Changes you save carry through to every page as you work.
Your tax profile. Your priorities.
Everyone has a different tax profile. Explore yours and see how you could improve tax efficiency around what matters to you.
- Income Tax
- £5k
- National Insurance
- £2k
- Take-home pay
- £29k
Basic rate taxpayer, £15k below the higher rate band.
Want to go deeper? Optional
See how your finances fit together
Change a few figures and see how your choices could shape your future.
Example figures only. Changes here aren't saved.
Top mark £3,119/mo
Example figure
No benchmark
Savings and pensions last to age 95.
About £876k in savings and pensions at 67, before inflation.
Choose your FLYNQD
Start by exploring the example for free, then build a plan of your own.
Every guided life-stage journey is included in all three plans. Some advanced tools within a journey depend on your plan.
Free
Explore the possibilities
£0- Explore as a guest, with quick entry and help
- All guided life-stage journeys
- Dashboard and lifetime forecast
- Household planning: individual
- Salary, spending and pensions
- Savings and investments: overall figures
- Property, mortgages and loans
- Tax estimates: Income Tax and NI
- Estate and inheritance: estate overview (in development)
- Find a suitable adviser (not yet available)
FLYNQD Sub
Build and maintain your plan
£3.99a monthEverything in Free, plus:
- Household planning: individual and couple
- Savings and investments: separate accounts
- Other income, one-off items and Emergency Fund
- Assumptions, life events and saved versions
- Tax estimates: savings and dividends
- Estate and inheritance: Inheritance Tax (in development)
- Save, resume and back up (Account-based saving: not yet available; Plan export and backup: not yet available)
FLYNQD Full
Explore decisions in greater depth
£5.99a monthEverything in FLYNQD Sub, plus:
- Household planning: individual, couple and family
- Planning tools
- Monte Carlo and pension withdrawals (Monte Carlo analysis: not yet available)
- Tax estimates: pension tax, Capital Gains Tax and HMRC document reconciliation
- Estate and inheritance: legacy planning (in development)
- Reports and Privacy Mode (not yet available)
| FreeExplore the possibilities£0 | FLYNQD SubBuild and maintain your plan£3.99a month | FLYNQD FullExplore decisions in greater depth£5.99a month | |
|---|---|---|---|
| Explore as a guest, with quick entry and help | Included | Included | Included |
| All guided life-stage journeys | Included | Included | Included |
| Dashboard and lifetime forecast | Included | Included | Included |
| Household planning | Individual | Individual and couple | Individual, couple and family |
| Salary, spending and pensions | Included | Included | Included |
| Savings and investments | Overall figures | Separate accounts | Separate accounts |
| Property, mortgages and loans | Included | Included | Included |
| Other income, one-off items and Emergency Fund | Not included | Included | Included |
| Assumptions, life events and saved versions | Not included | Included | Included |
| Planning tools | Not included | Not included | Included |
Monte Carlo and pension withdrawals
| Not included | Not included | Included |
| Tax estimates | Income Tax and NI | Plus savings and dividends | Plus pension tax, Capital Gains Tax and HMRC document reconciliation |
| Estate and inheritanceIn development | Estate overview | Plus Inheritance Tax | Plus legacy planning |
Save, resume and back up
| Not included | Included | Included |
| Reports and Privacy ModeNot yet available | Not included | Not included | Included |
| Find a suitable adviserNot yet available | Included | Included | Included |
| Open the Forecast |
See the full feature list
| Free | FLYNQD Sub | FLYNQD Full | |
|---|---|---|---|
| Getting started | |||
| Guest access | Included | Included | Included |
| All guided life-stage journeys | Included | Included | Included |
| Student planning | Included | Included | Included |
| First-home planning | Included | Included | Included |
| Quick entry | Included | Included | Included |
| Dashboard | Included | Included | Included |
| Contextual help and guides | Included | Included | Included |
| Household | |||
| Individual planning | Included | Included | Included |
| Couple planning | Not included | Included | Included |
| Additional family members | Not included | Not included | Included |
| Person-specific editing | Not included | Included | Included |
| Joint ownership | Not included | Included | Included |
| Forecast | |||
| Lifetime cash-flow forecast | Included | Included | Included |
| Inflation and today’s money | Included | Included | Included |
| Custom assumptions | Not included | Included | Included |
| Retirement timing | Included | Included | Included |
| Already retired or semi-retired | Included | Included | Included |
| Retirement spending | Included | Included | Included |
| Life events timeline | Not included | Included | Included |
| Scenario comparison | Not included | Not included | Included |
| Forecast history | Not included | Included | Included |
| Monte Carlo analysisNot yet available | Not included | Not included | Included |
| Income and spending | |||
| Employment income | Included | Included | Included |
| Other income | Not included | Included | Included |
| Rental income | Not included | Included | Included |
| Spending budgets | Included | Included | Included |
| One-off income and costs | Not included | Included | Included |
| Emergency Fund | Not included | Included | Included |
| Assets and debt | |||
| Savings accounts | Overall figure | Separate accounts | Separate accounts |
| Investment accounts | Overall figure | Separate accounts | Separate accounts |
| Asset total reconciliation | Included | Included | Included |
| Pension pots and contributions | Included | Included | Included |
| Pension withdrawals | Not included | Not included | Included |
| State Pension | Included | Included | Included |
| Property ownership | Included | Included | Included |
| Other assets | Not included | Included | Included |
| Mortgages and loans | Included | Included | Included |
| Student loans | Included | Included | Included |
| Planning tools | |||
| Rent or Buy | Not included | Not included | Included |
| Property sales | Not included | Not included | Included |
| Allocate sale proceeds | Not included | Not included | Included |
| Mortgage overpayments | Not included | Not included | Included |
| Savings goals | Not included | Not included | Included |
| Gifting | Not included | Not included | Included |
| Charitable giving | Not included | Not included | Included |
| Education costs | Not included | Not included | Included |
| Care costs | Not included | Not included | Included |
| Inheritance received | Not included | Not included | Included |
| Tax | |||
| Income Tax and National Insurance | Included | Included | Included |
| Savings and dividend tax | Not included | Included | Included |
| Pension tax modelling | Not included | Not included | Included |
| Capital Gains Tax | Not included | Not included | Included |
| HMRC document reconciliation | Not included | Not included | Included |
| Tax breakdowns | Included | Included | Included |
| Estate and inheritance | |||
| Estate overviewIn development | Included | Included | Included |
| Inheritance Tax estimateIn development | Not included | Included | Included |
| Couple estate scenariosIn development | Not included | Not included | Included |
| Pension on deathIn development | Not included | Not included | Included |
| Legacy projectionIn development | Not included | Not included | Included |
| Beneficiary inheritance targetsIn development | Not included | Not included | Included |
| Protected inheritance minimumsIn development | Not included | Not included | Included |
| Inheritance funding allocationsIn development | Not included | Not included | Included |
| Gilt maturity fundingIn development | Not included | Not included | Included |
| Gifting and estate comparisonIn development | Not included | Not included | Included |
| Saving and reporting | |||
| Save and resume | Not included | Included | Included |
| Account-based savingNot yet available | Not included | Included | Included |
| Plan export and backupNot yet available | Not included | Included | Included |
| Printable or PDF reportsNot yet available | Not included | Not included | Included |
| Detailed calculation reportsNot yet available | Not included | Not included | Included |
| Privacy ModeNot yet available | Not included | Not included | Included |
| Report watermarksNot yet available | Not included | Not included | Included |
| Advice connection | |||
| Find a suitable adviserNot yet available | Included | Included | Included |
Outside the three plans
- Share with an adviser. Not yet assigned to a plan. Decision pending.
- Pro adviser workspace. A separate product for financial advisers (FLYNQD Pro).
- Light client portal. A separate product for clients, free for clients of FLYNQD Pro advisers.
Provisional prices, billed monthly. Tiers are still being finalised.