Planiva - A smarter workbench for lifetime planning
Planiva helps you think ahead across the financial decisions that shape your life. Build scenarios, test assumptions and review outcomes in one connected workspace, with current tools forming the start of a broader planning platform over time.
It is built for people who want better forward visibility, not just a single answer. Start with a baseline, pressure-test different choices and keep your planning organised as your position evolves.
New: Capital Gains Tax planning in the workbench
Planiva's Capital Gains Tax and disposal planner is now available in beta. Compare sale timing, ownership, losses and after-tax proceeds for investments, property and other chargeable assets in the same workspace as your retirement, cash flow, tax and estate plans.
Beta access is currently free and includes retirement, cash flow, tax, Capital Gains Tax and estate planning tools.
The live Capital Gains Tax and disposal planner helps users compare sale scenarios for investments, property and other chargeable assets in the same workbench.
Compare the current planning tools, read the common questions, or go straight to the beta page.
- One workbench for connected financial planning tools
- Build, save and compare lifetime scenarios in one place
- Clear outputs for real decisions, not just static calculators
- Fast browser-based planning for early thinking and ongoing review
Build your base case
Start with the facts you know today, then create a clean baseline across income, assets, tax and long-term goals.
Explore linked outcomes
See how decisions ripple through cashflow, tax, assets, long-term goals and other planning outcomes over time.
Move forward with confidence
Refine assumptions, save versions and compare different futures before you commit to real-world decisions.
Built for joined-up planning
Planiva is evolving from a single-purpose planner into a broader platform for thinking through major financial decisions with more structure, more continuity and less guesswork.
A planning workbench, not a one-off calculator
Planiva is designed for ongoing scenario work, so you can revisit and evolve decisions as life changes.
Joined-up thinking
Financial decisions rarely sit in isolation. Planiva is being built as a growing platform of connected planning tools.
Decision support, not advice
Outputs are built to support thinking and comparison. 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.