Early retirement planning
Plan the years before retirement and the years after
See an estimated date for financial independence, whether your investments can carry you until your pension unlocks, and how your money holds up once you stop working.
Free plan · No card required
Illustrative demo plan with a fixed income target. Results are estimates, not predictions.
Before your pension unlocks
Can your investments carry you to pension age?
Retire early and there's a gap before any pension can be drawn. In the example, retiring at 50 leaves 6 years 9 months to fund from investments and cash: about £285,065 at £42,000 a year.
- Each pension records its access age: one you set, or the UK default minimum pension age.
- Only the investments and cash in your plan count toward the bridge.
- A simple check, before growth and inflation, included on Free.
Spending, saving and timing
See what retiring later or saving more changes
Change your spending, contributions or retirement date and the expected path moves with them. Save a version as a scenario to compare it with your current plan without changing the plan itself.
Available on Plus and Pro Saved scenarios and side-by-side comparison are included in Plus and Pro.
Uncertainty
Available on Plus and ProHow often does the money last?
Markets don't deliver a steady return. Monte Carlo runs the same retirement through 10,000 simulated paths and reports how often your income stays funded. It's a probability from your assumptions, not a promise.
What the forecast doesn't include
Limitations- Tax
- Targets, withdrawals and balances are before tax.
- State and defined benefit pensions
- Not added to retirement income. Pension pot balances do count toward FI-eligible wealth.
- Country-specific rules
- Pension access ages, allowances and benefits aren't modelled.
- Fees and life changes
- Fees are reflected only through your planning return (plus a small allowance in Monte Carlo). Changes in work, health or family aren't predicted.
Questions
Retirement planning, answered
Can I connect my accounts automatically?
For supported brokers, yes, on Plus or Pro: Plus includes one connection and Pro multiple connections. Connections are read-only: they import the eligible accounts and investments the provider makes available, and sync periodically rather than in real time. Yield Clarity cannot place trades or move money. Other assets are tracked manually, and availability depends on the provider and your plan.
What's included on the Free plan?
Free covers your portfolio, net worth, FI target and the expected-path forecast through retirement, with one contribution amount. Monte Carlo, retirement sustainability, contribution phases and scenarios are included in Plus and Pro.
Compare plansHow is the pension bridge estimated?
Yield Clarity takes the gap between your retirement date and the first date a pension can be accessed (the UK default minimum pension age, or an age you set), multiplies your retirement spending by its length, and compares it with the investments and cash you've included in your plan today. It's a simple check: it doesn't add growth or inflation, or model how you'd draw the money.
Can I retire on a date rather than when I reach the target?
Yes. Retirement can start when your FI-eligible wealth reaches the target, or on a date you choose. Contributions can stop at retirement, and withdrawals begin from that month.
Does it include state pensions, defined benefit pensions or tax?
Not in the forecast. Pension pot balances count toward FI-eligible wealth, but state pension and defined benefit income are not added to retirement income, and tax isn't calculated. Results are before tax.
Map your path to and through retirement
Add your main assets, set the income you want, and see your estimated FI date and retirement outlook.
No card required for the Free plan.