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Popular Frequently Asked Questions

See all of our FAQ help points

What is LifePlan?
LifePlan is the name of Retireeasy's financial planning calculator that models your assets, liabilities, incomes and expenditure into the future using certain assumptions you select.
What does LifePlan mean by Downsize/Equity Release?
Downsize / Equity Release is where you release all or a proportion of any equity that has accumulated in your home by either selling or re-mortgaging your home. LifePlan asks you if you wish to repay any outstanding mortgage with the equity that is released.  Note: If you plan to sell your home to fund care home costs please answer ‘no’ to Downsize and complete the Care Home Costs section in Expenditure.
Why do I need to make an allowance for Capital Gains Tax (CGT) on the sale of some assets e.g. home
Capital Gains Tax (CGT) could be a significant tax liability on the sale or disposal of an asset so we provide the facility for you to model such a liability in your LifePlan. However, the application of CGT is complex so we ask you to input a notional rate of CGT  based on the sale value of the asset. If you know the approximate CGT liability on the future sale of a specific asset you can select the most appropriate rate using the slider.
What if my final salary pension doesn't increase?
If your final salary pension does not increase, select 0% using the slider.
What do you mean by Desired Annual Income?
Desired Annual Income is the level of income you would like to receive in your retirement after you have paid for any mortgage, loans, debts and tax.

Retire Easy Ltd.

RetireEasy is the UK’s only independent retirement planning tool. LifePlan gives you an overview of all of your assets – including investments, pensions, savings, business assets and properties – and the income you will receive after liabilities such as debts, mortgages and income tax. It is not just a snapshot, but shows you how your finances will evolve throughout your retirement.

With Premium LifePlan you can model a Lifetime Mortgage, create and compare up to 10 scenarios of your financial future, radically reduce life insurance costs through a Life Assurance Premium Checker and you can print user-friendly narrative reports.

RetireEasy was established in 2011 and has helped thousands of users to understand their finances throughout retirement and adjust their plans to ensure that their money will last.

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LifePlans

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New features on RetireEasy.

Not yet retired?

You can now include all your additional savings, investments and Pension Contributions between now and your retirement, taking into account increasing these Additional Contributions year-on-year and stipulating whether these are one-off or recurring contributions. As always, you can revisit these projections and change them at any time either when your expectations change, or you have real numbers to replace projections already made.

New useful charts?

There are now three additional charts, further breaking down your assets and income.

Download your data in a spreadsheet?

You can now also download spreadsheets giving you the opportunity to view all of your entered information, and your entire LifePlan in one glance.

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