Not a rough guess. Not a vague projection. A living, interactive map of your money — from today to the end of your life — showing exactly when you can retire, how much you can spend, and what you'll leave behind.
Most people spend more time planning a two-week holiday than planning the next 40 years of their financial life. We change that — in a single meeting.
Buying a home. Starting a family. Changing careers. Retiring early. Helping your children onto the property ladder. These aren't just life events — they're financial turning points. With over 15 built-in life event wizards, your plan captures all of them and shows you the exact financial impact of each one.
You can drag events on the timeline and watch your entire financial future update in real time. Want to retire at 57 instead of 60? Move it and see. Thinking of buying a second property? Add it and watch what happens. This is your plan — and you're in control of it.
The most powerful question in financial planning isn't "what will happen?" — it's "what if?" What if markets crash the year you retire? What if you stop working at 55? What if you spend 20% less? Phoebe lets us model unlimited scenarios and compare them side-by-side, so you can make bold decisions with complete confidence.
No more guessing. No more vague reassurances. Just a clear, visual answer to every "what if" that's ever kept you awake at night.
We don't just show you one version of your future — we run thousands of them. Monte Carlo analysis simulates 1,000+ possible market scenarios — crashes, booms, stagnation — and tells you the probability that your plan succeeds under every condition.
You'll see confidence bands showing the range of possible outcomes, your probability of success, and the minimum balance you can expect even in a worst-case scenario. And because every calculation is UK tax-integrated — income tax, CGT, National Insurance, pension annual allowances — what you see is what you'll actually keep.
If you own a business or receive equity compensation, your financial plan needs to be far more sophisticated than a standard cashflow model. Phoebe handles the full picture — entity setup, valuation modelling, exit planning with CGT calculations, Business Asset Disposal Relief (BADR), and the distribution of proceeds to you personally.
For tech professionals with RSUs, stock options, and vesting schedules — we model it all. Sell versus hold strategies, equity integrated into your wider plan, and the tax impact of every decision mapped out before you make it.
The most important thing about seeing your financial future isn't the numbers. It's the clarity. When you can see it — really see it — you stop worrying about money and start living your life.
Book a free 30-minute discovery call. We'll show you what a cashflow plan built around your life actually looks like — and what it means for the decisions you're facing right now.
| Year | Age | Income | Expenses | Net CF | Cash | Investments | Pension | Property | Mortgage | Net Worth |
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Take away a practical guide to the same ideas covered on this page. It explains how cashflow planning helps you model retirement timing, major purchases, property decisions, tax changes, and future family goals with more confidence and clarity.