Will it last? — answered
A year-by-year projection to life expectancy that models drawdown order, tax, inflation, contributions and one-off life events — then flags the first year your plan comes under strain.
Local-first · macOS (Windows coming)
Will your money last? Know the answer.
My Retirement Life takes everything you have today — pensions, savings, investments, property and income — and projects it forward through retirement, year by year, accounting for drawdown order, tax, inflation and the big one-off events of life. Buy it once; it’s yours.
Full-feature 30-day trial · no account · macOS now, Windows coming.
Private by design
Your entire financial picture lives on your device, full stop. No account to create, no cloud, no data harvesting, no product cross-sell. One outbound call: daily FX rates (currency codes only).
Buy it once
One-time purchase, everything included — projection, Monte Carlo, drawdown, tax, multi-currency, scenarios. No subscription. Your version keeps working forever.
See the strain before it arrives
The honest answer to the only question that matters.
Most retirement “calculators” give you one smooth growth line and a cheerful number. Real life isn’t smooth. My Retirement Life models the order you draw accounts, the tax on each, inflation, your contributions and the one-off events — then tells you plainly whether it lasts, and the first year it doesn’t.
- A clear “on track / under strain” verdict, not a vibe.
- Monte Carlo shows the range of outcomes, not a single lucky path.
- Everything stays on your device — no account, no cloud, no cross-sell.
The whole plan
Rigour without the spreadsheet
For DIY planners who want per-account drawdown, tax layers and Monte Carlo — without building the formulas themselves.
Retirement projection
Not a single growth number — a year-by-year plan, stress-tested
A deterministic forecast of every account to life expectancy, with a clear “on track / under strain” verdict, your balance at retirement, and the year (if any) the money runs out. A “spending unfunded” signal catches the subtle trap of a plan that looks healthy but can’t fund spending because the money is locked in a pension you can’t draw yet.
Projections are illustrations based on your own inputs and assumptions — not predictions, guarantees, or financial advice.
Drawdown strategy
Model drawdown order and tax, not just “assume 5% a year”
A live sandbox to set the order accounts are drawn (Waterfall or Proportional), each account’s tax treatment, and access rules (minimum age, mandatory withdrawals) — then recompute instantly and see the effect on tax and longevity before you commit.
Budgets that follow your life
Spending that steps with the chapters of your life
User-defined categories and life-stage segments: groceries that step up when the kids arrive and down when they leave, a mortgage that ends, travel that pauses for a few years. Real-terms and with-inflation views, with category and per-line breakdowns.
Tax, modelled properly
A jurisdiction-neutral, two-layer model: a residence-level allowance + marginal rate, plus per-account treatments (tax-free / ISA, tax-free-lump-sum spreading, gains-only, pre-tax pension). A tax-shield summary shows your combined annual shield.
Scenarios & Monte Carlo
Save and switch named plans (“retire at 60 vs 63”). Run hundreds of market scenarios for optimistic / median / pessimistic bands and a success rate — so you see sequence-of-returns risk, not just a smooth line.
Life events & safety
Windfalls, inheritances, big one-offs and property moves land in the right year. An emergency fund fills first in good years and draws first in bad ones. Full one-click JSON backup/restore and CSV export.
True multi-currency throughout — UK + US (and more) in one plan
Two halves of the whole picture
Pairs with My Financial Life
My Financial Life tracks your money today — accounts, transactions, investments and budgets. My Retirement Life takes that reality and projects it forward. Owned together, one-time, everything included.
A user-initiated import from My Financial Life into My Retirement Life is coming — no live sync to a server, ever.
One price. Every feature. Yours to keep.
Try the whole app free for 30 days. Buy when you’re sure.