Insights
What to look for in your forecast, and the checks that most often change the picture.
Featured
Retirement mistakes that could be avoided
Retirement planning involves more than choosing when to stop working. It means deciding how you want to live, what your money needs to cover and how you’ll adapt when circumstances change.
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Reading your forecast
Watch where the line flattens
A flat stretch usually means spending is catching up with income, often around a move, a new child or retirement. Open that year to see why.
Open your forecastSeparate what you can spend from what you own
Property and possessions count towards your wealth, but you can't easily spend them. Check how much of your total is cash and investments.
View the year breakdown
Checks worth making
Totals and accounts counted twice
If you entered a savings total and then added accounts, make sure the total was replaced so nothing is counted twice.
Check your savingsPensions you've lost track of
Old workplace pensions are easy to forget. Adding each pot gives a truer picture of your retirement income.
Review retirement incomeDebt that outlasts its plan
Check each debt's end date. A loan running into retirement reduces the income you'll have to live on.
Review your debtMoney owed back to you
Record loans to family or a business with a realistic repayment date, so the forecast doesn't count the money too early.
Review loans