Your first plan in 5 minutes
You don’t need to understand everything to get a meaningful result. This guide walks you through the minimum inputs — demographics, a simple portfolio, basic spending — and shows you how to read the result.
Navigate to the Retirement Planner from the home page. You land on the Header setup tab.
Enter your current age, retirement age, and projection years. Projection years is how many years you want the plan to cover from retirement — 25 to 30 years is a sensible starting point.
Scroll down on the Header setup tab to Investment accounts. Select the wrappers that apply to you. Pension/SIPP is the right starting point for most people. Only enabled wrappers are included in the simulation.
Go to the Investments tab. Under your Pension, pick an asset class from the dropdown and enter the value in pounds. Add a second row for bonds to set a 70/30 equity/bond split. The % Now column updates automatically.
Go to the My Results tab. Click Run simulation. The engine runs 5,000 paths — about 3 seconds. You can also choose how to view results here: probability percentile, nominal vs today’s money, and chart type.
The MC Outcomes sub-tab shows your plan health. The key numbers are: success rate (top left), median final portfolio, cash buffer, and withdrawal rate. The bar chart shows the spread of outcomes from worst (P5) to best (P95).
