I'm a retired accountant and have tried many models for retirement income. This is by far the best. Allows multiple income streams and investment accounts. Would suit almost anyone. Great modelling... Ver más
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Very helpful in helping me understand my pension pot and giving advice on the age that I can retire and how drawdown on my pension funds. Well laid out and informative platform
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A great start to retirement planning. There are one or two areas of improvement to help those who have started drawdown but the output plans are really helpful. Considering it’s free and doesn’t tr... Ver más
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By far the best free guide available for calculating income possible for retirement. Lots of variables and can be stress tested for unforeseen circumstances too.
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Información sobre la empresa
- Servicios financieros alternativos
- también en la categoría
- Planificador financiero
Escrito por la empresa
We only have one aim, to give savers direct access to, or allow trustees, employers and providers to provide tools their pension savers need, to improve their retirement outcomes. Put simply, there are plenty of tools which tell pension savers if they take A each year, earn B returns, their pots will last for C years. For almost everyone these offer no practical help, as nearly everyone has other income or savings to put towards retirement. Included in these are State Pensions, Final Salary pensions, ISA savings and part time work for example. Some of these are taxable, some are not. Our tool is the only fully holistic planning tool that can be used directly by individuals without expert input. Our tool answers the one question pension savers actually want answered, "How do I use everything I have, to get the after tax income I want in retirement?". You can visit the Guiide website for much more detail and to try it for yourself.
Información de contacto
113 Milngavie Road, G61 2QJ, Glasgow, Reino Unido
- 07971885821
- contact@guiide.co.uk
- guiide.co.uk
4,7
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922 opiniones
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Very good site for a top down view
Very good site for a top down view. However, it currently doesnt include taxes. Once it does, I dont think anything below 5 stars is warranted.
Great work so far
Edited to 5 stars - see their comments on taxes.
8 de mayo de 2026
Respuesta de Guiide
Hi
Thanks for the review, we calculate income tax and take it off the total income to give you the net income wanted. We even try to make it income tax efficient. As for other taxes CGT etc have a read of this blog below on how to deal with them.
https://guiidewordpress.azurewebsites.net/top-tips-3-saving-pots-isas-and-tax/
Thanks
Kevin
Used this tool a few times now and…
Used this tool a few times now and recommended it to friends and family really useful.1 thing which would be great is the couples forecast(i know this is in development).To work around this i just input details of myself, then do a separate for the wife which amounts to the same thing. Keep up the good work guys.
1 de junio de 2026
Opinión espontánea
Respuesta de Guiide
Hi Mike
Many thanks for the review. If it was down to us we would have had couples planning in some time ago.
Can now start getting this sorted after a year plus of regulatory discussions
Thanks
Kevin
thoughtful and useful information and…
thoughtful and useful information and projections that allows you to have a feel for managing finance in retirement
20 de mayo de 2026
Respuesta de Guiide
Hi Tony
Many thanks for the review and pleased you like it.
Thanks again
Kevin
Very helpful, but ...
Very helpful. Considerably better than most pension calculators. But, would have been more helpful 1) to be able to review all of the assumptions & each calculation, & 2) to have been able to consider as a couple. Also, the tax figures looked unrealistically low.
Thanks, Kevin for your reply. In my plan I have an income of £60k, and no tax payable. I can't see how that is possible. And the assumptions don't provide enough detail for me to check the calculations.
I am grateful for having free access to such a comprehensive model. Yes, drawing money from savings doesn't attract income tax, but savings do attract dividend tax, & CGT, or interest tax. Full details of the calculations and detailed assumptions would help make everything clearer, and then people can make their own adjustments if needed.
23 de mayo de 2026
Respuesta de Guiide
Hi Brian
Thanks for the review, on your three points
1. We put all of the assumptions on the Review page in great detail
2. Check out our blogs, you'll see the lack of couples modelling to date has not been done to us but regulatory restrictions which we have spent lots on legal and regulatory advice to get to where we are now after over a year of discussions. But we cant influence how long it takes for regulators to act.
3. If you have an issue with any tax figure in any year, let me know which one and Ill break it down. All our calcs are correct I can assure you of that.
In response to your question, you've said you have a large amount of savings and also will also receive a lump sum which will go into your savings so youll have very large savings pots in retirement. Youve said you want to protect all your pension pots and not draw these down, so it can only take money from your savings, drawing money from savings doesn't attract income tax. This is set out in the breakdown of source type chart in the Design page and also in the detail on the Review page, where it tells you where the money is coming from, so zero tax is correct given what you have put in and selected?
Yes, drawing money from savings doesn't attract income tax, but savings do attract dividend tax, & CGT, or interest tax.
Indeed some do, some don't, if in an ISA, that's why you should allow for that in the savings return assumption as it affects the return/growth you get, not the income tax paid. Yes we can make that clearer in the assumptions. We are doing a series of top tip blogs, ill add one on CGT, Dividend Tax etc and how to allow for it.
Many thanks for the feedback.
Kevin
Useful, but could be much better.
Liked the ease of set up but not quite enough options or detail for me.
I think it would help if we could name each savings pot.
Also I couldn’t seem to alter the retirement date to map diferent scenarios.
Still a fairly useful tool though.
20 de mayo de 2026
Respuesta de Guiide
Hi Toby
Very easy to change the retirement date in the You page. Naming pots is on the dev list.
Thanks
Kevin
Ga e me the information I needed
19 de abril de 2026
Respuesta de Guiide
Hi
Many thanks for the review and pleased you like it.
Thanks again
Kevin
Easy to use and the graphics were just…
Easy to use and the graphics were just what i was looking for
8 de mayo de 2026
Respuesta de Guiide
Hi
Many thanks for the review and pleased to hear easy to use as thats the aim
Thanks again
Kevin
a great pension planning tool
a great pension planning tool.
i messaged the team, enquiring about a variant for modelling in the Scottish Tax system. Kevin emailed me back a few minutes later stating Guiide hope the rest of 2026 is where they get some of these new updates in.
super customer relations.
15 de mayo de 2026
Respuesta de Guiide
Hi Martin
Many thanks for the review and for the questions. Always happy to take questions or suggestions. We are compiling a list of top tips on our blog now where we provide answers to many of the common questions we get. Yes looking forward to getting more developments on the site done now in 2026.
Thanks again
Kevin
Tax efficien
Straight forward to use, excellent for discovering how to be tax efficient, shared this with lots of colleagues and friends who have actively used it for their pension planning
10 de mayo de 2026
Respuesta de Guiide
Hi
Many thanks for the review pleased you like it and are happy to share to others.
Thanks again
Kevin
Great pension planning tool
Great pension planning tool, easy to use with a downloadable report.
13 de mayo de 2026
Respuesta de Guiide
Hi Jon
Many thanks for the review and pleased you like it
Thanks again
Kevin
An incredibly valuable retirement…
An incredibly valuable retirement planning tool!
I stumbled upon this website when looking through retirement planning forums on facebook, and I'm so pleased I did. It was a simple task to enter details of my final salary & defined contribution pensions, plus details of other investments. Once your info is loaded it runs through a plan for retirement, that for me was nearly perfect, and it stress tests that plan to see how investment fluctuations etc. may impact your strategy. That's as far as I've got right now but I can't wait to dive in & find out more!
Thanks so much for this rather excellent free tool!
12 de mayo de 2026
Respuesta de Guiide
Hi Andy
Many thanks for the review and really pleased you like it.
Thanks again
Kevin
This is an excellent start point for…
This is an excellent start point for DIY drawdown and cashflow planning. I know have a clear starting plan to share with a tax planner
11 de mayo de 2026
Respuesta de Guiide
Hi Shaun
Many thanks for the review, yes that's the aim, give someone the ability to build a plan they can track for however they want to use it, could be with some advice, on their own, or with some guidance based options.
Thanks again
Kevin
Better than all the other so called…
Better than all the other so called calculators and better than Monte Carlo simulation
2 de mayo de 2026
Respuesta de Guiide
Hi Nigel
Many thanks for the review and really pleased you like it.
Thanks again
Kevin
Respuesta de Guiide
Hi Tony
Many thanks for the review, great to see you like it
Kevin
Simple to use cash flow and net worth retirement modeller
Guiide retirement finance modeller worked well for me. Gives both graphics and tabulated output. Easy data input and clear options for interest rate assumptions. A couple of additional features would make it even better. (1) ability to enter separately for a couple and give separate and combined model outputs and (2) showing the output of 5 stress tests in same graphic format rather than just a statement of impact. I suppose the idea is that for more in-depth you link through to a Financial Advisor? However the existing free features are pretty impressive.
5 de mayo de 2026
Respuesta de Guiide
HI Ray
Many thanks for the thorough review and the feedback is really great. We will add these additional features over time, there is a lot on our blogs about the delays to the couples element which has been out of our hands.
You can use Guiide and manage things on your own for free if you are able to, or take it to an adviser if you feel you need a recommendation on a suitable provider and investment strategy as we cant do that.
Again thanks a lot for the review and really pleased you found it helpful
Kevin
It is the best free tool on the Internet for UK Pension Planning
It is the best free tool on the internet for stress testing pension plans I have found.
Kevin who is a director of Guiide is also very good at responding to suggestions when I emailed him.
It is brilliant.
6 de mayo de 2026
Opinión espontánea
Respuesta de Guiide
Hi Paul
Many thanks for the review and yes always happy to answer any questions anyone has. Its a mix of keeping it simple with being able to do everything someone may need, but we can usually find a workaround if someone wants to model something different.
Many thanks again
Kevin
Excellent tool for pension planning.
11 de noviembre de 2025
Respuesta de Guiide
Hi Paul
Many thanks for taking the time to give us a review and really pleased you like it
Thanks again
Kevin
Great features to change sections and…
Great features to change sections and try different scenarios.
Give it a go
17 de marzo de 2026
Respuesta de Guiide
Hi Maggie
Thanks so much for the review and really pleased you like it
Thanks again
Kevin
Respuesta de Guiide
Hi
Many thanks for the review and really pleased it left a good impression.
Thanks again
Kevin
Very very simple to use
Very very simple to use. Found it diffixult to extract some detailed analysis but this may just be my inexperience with the app.
But can quickly and easily assess the impact and longevity of investments given a desired cash drawdown rate and period of time.
15 de abril de 2026
Respuesta de Guiide
Hi
Many thanks for the review and pleased you like it. You can see a breakdown of each of the elements of income and tax etc in the charts.
Thanks again
Kevin
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