UK investors
Plan financial independence in pounds
Bring ISAs, SIPPs, workplace pensions, property and accounts held abroad into one plan in GBP, and see how close the part you'll live on is to your FI target.
Free plan · No card required
Illustrative demo portfolio. Account names, rates and figures are examples, not market data.
Pensions
Pension pots that know when they unlock
Record each SIPP, workplace or personal pension with its value, contributions and access age: the UK default minimum pension age, or one you set. Retire before then, and Yield Clarity shows the gap your other investments need to cover: 6 years 9 months in the example.
- Pension pots count toward FI-eligible wealth unless you leave them out.
- State Pension and defined benefit income can be recorded alongside them.
- ISA and general account holdings sit in the same plan as investments.
Money held abroad
US shares and overseas accounts, totalled in pounds
A general account holding US shares, euro funds or savings left from a posting abroad each keep their own currency, and convert into pounds for your totals. When sterling moves, you see the effect on the pound value, even if the price hasn't changed.
Your route to FI
A target and an estimated date, in pounds
Your FI-eligible wealth (not your whole net worth) is projected forward with your contributions and planning return. £42,000 a year at a 4% withdrawal rate needs £1,050,000; the example reaches it around June 2035. Change an assumption and the estimate changes with it.
What it doesn't do
Limitations- No tax calculations
- Income tax, CGT, dividend tax and tax relief aren't modelled. Figures are before tax.
- No allowance tracking
- ISA and pension allowances aren't tracked, checked or optimised.
- Pension income not forecast
- State Pension and defined benefit income can be recorded but aren't added to the forecast.
- Not advice
- Not regulated advice, and not every UK pension or withdrawal rule is modelled.
Questions
UK planning, answered
Can I track ISAs and SIPPs?
Yes. SIPPs, workplace and personal pensions are recorded as pensions, each with its scheme type, provider and access age. ISA and general investment account holdings are recorded as investments. Many people include the account in the name, such as “ISA global tracker”. Yield Clarity doesn't hold separate ISA or GIA account records or track allowances.
Does Yield Clarity calculate tax or allowances?
No. Income tax, Capital Gains Tax, dividend tax, tax relief and ISA or pension allowances aren't calculated, so targets and forecasts are shown before tax. Use returns and spending figures that reflect your own situation.
How is the State Pension handled?
You can record the State Pension and defined benefit pensions as income-based pensions so they sit alongside your pots. They aren't added to the FI forecast or used to reduce your FI target.
Can I include accounts held outside the UK?
Yes. Each asset keeps its own currency (dollars, euros, dirhams and more) and converts into pounds for your totals and FI plan. Currency exposure analysis is included in Plus and Pro.
Multi-currency planningStart your plan in pounds
Add your ISAs, pensions and property, set the income you want, and see an estimated date for financial independence.
Free plan · No card required