Your outlook
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Portfolio value over time
Median + 25/75 + 5/95 percentilesHMRC tax by year
Median + 25/75 + 5/95 percentilesQuick probes
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You
Accounts
Stocks & shares + cash ISAs
DC pension pot · drawable from age 55
Taxable outside wrappers
Total portfolio£500k
Return model
Real 5-year windows resampled
Portfolio weight on UK equities (rest is UK gilts)
Spending & income
≈ £3k/mo
Spending ÷ portfolio: 6.0%
Full new 2026/27 = £12,548 (£241.30/week)
Working years
Taxable employment income in year 0
Constant until retirement
Fraction of gross earnings saved each year (auto-enrolment = 8%)
How much of savings goes to SIPP vs ISA