Life planning for real choices

Plan the life your money needs to support

Retire sooner, work less, use pension cash, support family or bridge a gap. Planiva helps you test the numbers before you decide, with retirement, cashflow, tax, CGT and estate planning in one place.

Build my life plan View an example plan

Test retirement, cashflow, tax, CGT and estate scenarios
Start with rough numbers, then refine
See how timing changes the outcome
Compare versions before you decide
Understand where pressure points appear
Export to Excel or PDF when you want to analyse or share the output

What this shows

Retirement summary

See the core retirement picture in one place, including timing, available spend and the years that deserve a second look.

What this shows

Retirement summary

See the core retirement picture in one place, including timing, available spend and the years that deserve a second look.

What this shows

Retirement projection

Track income, spending and savings together so you can see what changes across working years, retirement and the years where the plan starts to tighten.

What this shows

Available spend through retirement

See how annual spend can change over time as income sources shift, later years evolve and pressure points start to appear across retirement.

What this shows

Cashflow summary

Get a quick view of your near-term position so you can see whether lower work income or extra costs still leave enough room.

What this shows

Cashflow actuals projection

Compare saved plan balances, actual balances and projected actuals so you can spot where monthly reality begins to drift away from the original plan.

What this shows

Monthly cashflow line

Review the monthly plan output to see when balances tighten, where the awkward months sit and how another version compares.

What this shows

Cashflow spend breakdown

Review where spending is going so you can spot the categories driving the outcome and focus on the changes most likely to improve the plan.

Life choices

Start with the life choice

Most financial tools start with products. Planiva starts with the thing you are trying to work out.

Retire sooner

Test whether earlier freedom still leaves enough room later on.

Start here

Work less

See how part-time income could change the next few years.

Start here

Use pension cash

Compare faster access now against steadier income later.

Start here

Bridge a gap

Check whether a generous move still keeps your plan resilient.

Start here

What Planiva shows you

See the shape of your future money

How long your money could last

Where the tight years may appear

How State Pension, tax and timing change the picture

How different choices compare

Example plans

Explore both examples directly

If you want to understand the output before signing up, open a fixed example for either retirement or short-term cashflow planning.

Retirement

Retirement example plan

See a read-only example showing retirement timing, future spending and where the tighter years may appear.

View this example

Cashflow

Cashflow example plan

See a read-only example focused on monthly resilience, spending pressure and short-term trade-offs.

View this example

How it works

Build a simple plan. Try a different path.

You do not need perfect numbers. Build a first version, then refine it as you learn more.

Add rough numbers

Start with rough inputs rather than waiting for perfect detail.

See your future money line

See the line of future money and where the pressure points sit.

Compare another version

Test another version and understand the trade-offs side by side.

Build my life plan

Trust

Your data stays yours

Planiva is built for private planning. The information you enter stays under your control and is used to help you explore scenarios securely.