Planning together · two pots, one plan
Planning retirement together? See if it could last for both of you.
Two pensions, two state pensions, and the hard questions most tools skip: what happens to the plan if one of you dies first, and how long the survivor’s income could hold. See it for both of you.
Illustration only, not regulated financial advice. Assumes both age 60 retiring at 67, the full new State Pension each, and a plan to age 95. If one of you dies first, their State Pension stops, their remaining pot passes to the survivor, and household spending drops to 70% of the couple’s. Modelled on a 60/40 equity and cash mix: equities at 4.5% and cash at 0.5% a year above inflation before charges, with 15% equity volatility, less 0.75% charges, across 2,000 simulated futures in today’s money. Assumptions, not forecasts.
A quick preview of this one question. The full tool works from your own figures (income, spending, one-off costs, tax and inheritance) in a single connected plan.