EvolveMyRetirement® is is a free, powerful, independent and unbiased financial modelling and cash-flow illustration tool. Whether you’re single or a couple, aged anywhere from your 20s to your 90s, our unique app helps you explore possible financial futures without relying on guesswork. No need for trial and error: our AI-powered modelling automatically explores many possible scenarios based on your inputs.
The many charts, graphs and reports show you how your finances could evolve and how different adjustments might affect your future. You can get an AI-generated overview of your plan and the modelled outcomes. And you can also share your plan with a financial adviser if you wish.
Planning for retirement can be hard. Simplistic rules of thumb for how much to save give misleading results. And ignoring sequence-of-returns risk tends to cause over-spending, and can lead to running out of money in retirement. So we created EvolveMyRetirement® to make exploring your financial future 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 explore your financial 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. Based on your assumptions, it will help you explore the consequences of a range of sustainable spending levels, showing the estimated probabilities of meeting your goals.
The best part? It’s flexible; you can adjust your plan at any time to accommodate any changes that arise.
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:
This holds all the information you tell the system about your finances. In addition, it has built-in rules that enable it to project your current finances into the future.
This is a powerful technique for dealing with the inevitable uncertainties connected with projecting your finances into the future. By trying out numerous randomised scenarios, the system can draw important conclusions.
Using this Artificial Intelligence (AI) technique, the system explores many possible combinations of scenarios to identify outcomes that perform well under your chosen criteria.
You can also tell us about your attitude to risk and how important leaving an inheritance is to you.
The ground-breaking combination of our Genetic Algorithm with Monte Carlo Simulation enables the system to explore a wide range of possible outcomes efficiently.
We suggest consulting an independent financial adviser and sharing your plan with them. They'll be able to review your plan and its assumptions, and give you in-depth advice about your strategy and how it affects your financial situation. All projected outcomes are based solely on the information you provide.
For more detailed information, please visit our Support section or go to our Quick Start guide.
⭐ “Excellent tool for retirement planning”
“The best retirement planning tool I’ve found. It’s flexible, detailed, and gives a realistic picture of future finances."
⭐ “Very helpful and easy to use”
“Helped me understand how much I need to save and when I can retire. Highly recommended.”
⭐ “Impressive depth and clarity”
“I was surprised by how thorough the modelling is. It’s not just a calculator – it’s a proper modelling engine.”
⭐ “A must-have for retirement planning”
“This is the kind of tool I wish I’d found years ago. It’s helped me make sense of a very complex topic.”
