You've got the number. Now get the plan.

Retirement Ready Premium adds two advanced planning tools to your membership — built for members who've run the free calculators and are ready to go deeper.

The Tax-Efficient Withdrawal Planner models three drawdown strategies side by side under current HMRC 2024/25 rules: ISA first, SIPP first with the 25% tax-free lump sum, or a mixed approach that keeps your taxable income as close to the Personal Allowance as possible each year. Enter your pension pot, ISA balance, State Pension, and target income — and see exactly which strategy saves the most tax over 25 years, with a year-by-year breakdown and a plain-English verdict. For most people the difference between the least and most efficient strategy runs to tens of thousands of pounds.

The Personal Retirement Action Plan pulls everything together. Enter your details once and get a complete six-page retirement report as a downloadable PDF — your projected pot, drawdown runway, State Pension strategy, risk profile, Retirement Readiness Score breakdown, and a five-step action plan ranked by financial impact and quantified in pounds. Something you can save, print, share with a spouse, or take to a financial adviser.

Based on HMRC, DWP, MaPS, PLSA, and Bank of England figures. Updated after each Autumn Budget. For educational planning purposes only.