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The Intelligent Financial Planning Calculator

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Get Your Finances on the Right Track

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EvolveMyRetirement® is a free online financial planning calculator, designed to help you manage your cash flow. Whether you’re in work or retired, single or a couple, our unique app takes the guesswork out of planning for the future. No need for endless trial and error. You can even share you plan with your financial advisor if you want.

Sustainable Spending Made Simple!

Planning for retirement can be hard. Simplistic rules of thumb for how much to save give misleading results. So we created EvolveMyRetirement® to make your financial planning as easy as possible without skipping important details.

While traditional retirement planning adjusts a huge range of factors by trial and error, EvolveMyRetirement® can help you plan for the future without having to guess what’s around the corner.

Our calculator won’t ask you to predict how much you can afford to spend, or set a target retirement income, or guess how long your retirement will last. It will help you find your optimal sustainable spending level. Based on this it will give you an overview of your chances of a prosperous retirement.

The best part? It’s flexible; you can adjust your plan at any time to accommodate any changes that arise.

 

How it Works

You can use EvolveMyRetirement® without knowing how it works. If you're interested you can read about how it works in detail. In summary it consists of three main building blocks:

Financial Model

This holds all the information on your finances that you tell the system. In addition it has built-in rules that enable it to project your current finances into the future.

Monte Carlo Simulation

This is a powerful technique for dealing with the inevitable uncertainties connected with projecting your finances into the future. By trying out numerous scenarios at random, the system can draw important conclusions.

Genetic Algorithm

Using this Artificial Intelligence (AI) technique the system is able to help you make the strategic decisions that maximise your chances of achieving your financial goals.

What You’ll Need to Put In

  • Your income
  • Your essential expenditure
  • Your assets
  • Your pensions
  • Your debts
  • Your life insurance policies
  • Any inheritances you anticipate receiving

We’ll also assess your attitude to risk and the importance to you of leaving behind an inheritance.

What You’ll Get Out

  • A high-level investment and withdrawal strategy
  • The amount of discretionary spending you can afford
  • How likely you are to run out of money in your lifetime
  • How much inheritance you're likely to leave
  • Future projections and scenarios

The ground-breaking combination of our Genetic Algorithm with Monte Carlo Simulation delivers a financial strategy after just a few minutes of processing.

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Worried By The Results Or Want To Learn More About Your Strategy?

We suggest consulting an independent financial advisor and sharing your plan with them. They'll be able to validate your plan and its assumptions, and give you in-depth advice about your strategy and how it affects your financial situation.

For more detailed information, please visit our Support section or watch our Tutorial video.

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Testimonials

It would have taken me weeks to find the strategy your app found in only 5 minutes. (DG, 2017)

This is a great utility, well done. (PW, 2018)

I've found that collaborating with my clients using your program helps build their confidence. (DF, 2019)

The sensitivity analysis feature alone makes it well worth becoming a premium user. I also really like being able to make copies of my plan to try out what-if scenarios. (MS, 2019)

After sharing my plan with my financial adviser, I was amazed how his advice complemented the optimised strategy generated by your program. (AM, 2019)

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