Can I afford to retire earlier?
Retirement Planner
Model retirement, pension cash, State Pension timing and later-life spending so you can see whether the numbers still work.
Products
Planning tools for real life decisions
Planiva includes tools for retirement, cashflow, tax and estate planning. Start with the life choice, then use the tools to understand the numbers.
Decision routes
Choose the question first
These routes take you into the most relevant existing flow. No new calculators, no generic recommendation engine, just the live tools that already help people model decisions.
Can I afford to retire earlier?
Use the Retirement Planner to compare timing, spending, income and resilience.
Open the relevant flowWill my cash last through the next few years?
Use the Cashflow Planner to model monthly pressure points and compare what changes.
Open the relevant flowWhat could this mean for tax?
Use the Tax Planner to estimate liabilities, timing and the cash you may need to set aside.
Open the relevant flowWhat happens if I sell an asset?
Use the Capital Gains Tax Planner to review disposal timing, ownership and likely after-tax proceeds.
Open the relevant flowHow might my estate be affected?
Use the Estate Planner to understand likely exposure, records and next planning gaps.
Open the relevant flowWill my cash last through the next few years?
Cashflow Planner
Plan vs actualProject your monthly household position, compare scenarios and review Plan vs actual when reality starts to drift.
What could this mean for tax?
Tax Planner
Estimate annual tax outcomes, payment timing and the effect of changes in income, pensions and allowances.
What happens if I sell an asset?
Capital Gains Tax Planner
Compare disposal timing, ownership splits and losses so you can understand the tax trade-offs before acting.
How might my estate be affected?
Estate Planner
Review inheritance-tax exposure, asset records and executor readiness in one place.
How Planiva supports the decision
Start with the decision
Planiva is most useful when you begin with a real-life question rather than browsing tools in the abstract.
Compare what changes
Save a baseline, test alternatives and see whether the numbers still work when timing, spending, income or ownership shifts.
Revisit the plan
Come back when assumptions move. The point is to understand trade-offs over time, not chase one headline answer.