Planiva - A smarter workbench for lifetime planning
Planiva is a UK financial planning workbench for people who want to think ahead before making major decisions. It helps you model scenarios, test assumptions and compare saved versions within each planner, all in one connected workspace.
Instead of asking a calculator for one answer, you can start with a baseline, create alternatives, and see how changes to timing, spending, income, tax or ownership affect the result inside the planner you are using.
New: Compare saved scenarios within each planner
Retirement, cash flow, tax, capital gains tax and estate planning tools now let you compare saved scenarios within that planner, so you can see how different assumptions or decisions change the result before acting.
Beta access is currently free and includes retirement, cash flow, tax, Capital Gains Tax and estate planning tools.
Each current planner supports scenario saving and comparison within its own planning context.
Compare the current planning tools, read the latest retirement planning article, read the common questions, or go straight to the beta page.
- Save multiple scenarios within each planner instead of starting from scratch
- Compare retirement, tax, estate and disposal decisions with clearer side-by-side context
- Export reports and comparison outputs when you need to review or share them
- Use one UK-focused planning workbench rather than a collection of one-shot calculators
Build your baseline
Start with the facts you know today and save a version you can return to within the planner you are using.
Create alternatives
Adjust spending, timing, ownership, assumptions or tax inputs to model different possibilities.
Compare before you decide
Review how the result changes within that planner, then export the comparison when you need to share or revisit it.
What Planiva helps you work out
Planiva is designed for practical planning questions that usually need more than a single headline number. Each planner is built to help you test decisions, compare scenarios and understand trade-offs before you move ahead.
Retirement timing and affordability
Compare retirement ages, spending levels and withdrawal approaches to see how long-term affordability may change.
View the Retirement PlannerTax position and payment planning
Estimate a likely UK personal tax position, review payment timing and test how pension contributions or income changes affect the picture.
View the Tax PlannerCapital Gains Tax on a disposal
Model a planned disposal, compare timing or ownership assumptions, and review likely after-tax proceeds before acting.
View the Capital Gains Tax PlannerEstate exposure and readiness
Understand estate value, possible inheritance tax exposure and whether key records are organised clearly enough for executors.
View the Estate PlannerBuilt for joined-up planning
Planiva is built for people who want better forward visibility across decisions that can affect each other over time. The aim is not to produce one fixed answer, but to make it easier to review options in a more structured way.
A planning workbench, not a one-off calculator
Planiva is built for decisions that need iteration. You can save a baseline, test alternatives, and come back when assumptions change.
Joined-up thinking
Financial decisions rarely sit in isolation. Retirement, tax, estate and disposal choices often interact, so the tools are designed to sit inside one broader planning environment.
Decision support, not advice
Outputs are designed to support thinking, comparison and preparation. They do not replace regulated financial, legal or tax advice.
Start building your lifetime plan
Create an account, open the workbench and start shaping the scenarios you want to understand across the financial decisions that matter to you.
You can also review the current products, check the pricing direction, or browse the FAQ.