Excelergy Excelergy Retirement Planner 2026/27

UK Pension & ISA Planner

Plan with clarity. Retire with confidence.

Year-by-year projections of pension, ISA, and drawdown - with the UK tax workings shown, not hidden.

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Illustrative only - not financial advice. UK income-tax bands for the 2026/27 tax year (toggle Scotland per scenario). Your scenarios are stored in this browser only; nothing is sent to a server. Use Export to back them up.
Pension

Uncrystallised

£0
Pension

Crystallised

£0
ISA

Cash ISA

£0
ISA

Stocks ISA

£0
Cashflow

Current Acc

£0

Wealth over time

Pots and spending target

Projection

Year-by-year ledger

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Useful providers

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Common UK platforms for holding a SIPP or ISA. Compare against your own situation before opening an account.

SIPP & ISA

AJ Bell

Long-established UK platform with broad fund and ETF access.

Learn more Flat fee

Interactive Investor

Flat monthly subscription - cheaper as your pot grows.

Learn more Pension

PensionBee

Consolidates old workplace pensions into one managed pot.

Learn more

Capital at risk. Independent platforms - no commercial relationship at present. Not personalised financial advice.

Recent articles

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Plain-English explainers that pair with the calculator. Tax rules, drawdown mechanics, and the choices behind the numbers.

Tax & rules

UK pensions and ISAs in 2026/27: what's new

State Pension up 4.8%. Allowances frozen for a third year. Pension IHT, Cash ISA cap, and access age 57 on the horizon.

15 May 2026 Read article Pension tax

Pension crystallisation explained

The moment your pension becomes live for drawdown. Where the tax-free 25% can go, and what happens to the taxable 75%.

12 May 2026 Read article Retirement planning

Pension first or ISA first?

When you retire with both, which one do you draw from first? Tax, inheritance, and long-term growth pull in different directions.

22 April 2026 Read article Retirement planning

The 4% rule applied to a UK pension

The most-cited retirement shorthand was built for a US portfolio in the 1990s. Why the UK case is meaningfully different.

18 March 2026 Read article Drawdown mechanics

UFPLS vs flexi-access drawdown

Two ways to take money from a UK pension. The difference: when does the 25% tax-free cash actually leave the pension?

9 February 2026 Read article Pension tax

The £268,275 Lump Sum Allowance

Where the figure comes from, what happens when you hit it, and the common misunderstandings about how the cap works.

14 January 2026 Read article