Viktor.comAn AI coworker that actually does the work
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Have I Enough?
Know when you have the freedom to choose.
13 followers
Know when you have the freedom to choose.
13 followers
Know when you can stop working, not just when you can retire. A private, client-side UK retirement cashflow planner. Model your pensions, investments, income, spending and tax, compare different scenarios, and stress-test your plan against thousands of possible market outcomes.
the Monte Carlo stress-testing is the right idea for market returns, but the UK-specific part that worries me more over a 30+ year retirement horizon is policy risk - state pension age, ISA/pension tax treatment, and the triple lock have all been fair game for change every few years. does the model let you flex those assumptions or run a "rules get worse" scenario, or is it built on today's rules staying fixed for the whole plan?
@galdayan Great question. Right now it's based on today's UK rules, but I've designed the engine so those assumptions can evolve over time.
Policy risk is probably the hardest thing to model because nobody knows what governments will do, but I like the idea of being able to stress-test "what if the rules change?" scenarios.
This started out as a tool I was building for myself because I couldn't find anything that answered the questions I actually cared about. As it's evolved into something other people are finding useful, I'm shaping the roadmap around real user feedback.
If you have thoughts on how you'd expect those scenarios to work, I'd genuinely love to hear them. Drop me an email via the site
makes sense - bootstrapping it from your own need usually means the roadmap tracks what real people actually hit, not what looks good on a feature list. the stress-test angle on policy changes would be genuinely useful given how often UK pension rules get tinkered with. will drop you an email with some thoughts.
@galdayan I pushed up quite a few improvements and features. Would love to hear your thoughts on them.
nice, will take a look. did the "rules get worse" stress-test scenario we talked about make it into this batch, or is that still further out on the roadmap? that's the one I'm most curious about testing.
Being able to share a read-only snapshot link with my partner would be really useful — we keep trying to plan jointly and end up describing numbers over the phone, which gets messy fast.
@aykut597715 That's a brilliant use case, and exactly the sort of feedback I'm looking for. It started out as a tool for me, so I hadn't thought about couples trying to plan together remotely.
A secure read-only share link would solve that nicely, and I also like the idea of sharing individual scenarios with family or a financial adviser. Definitely going on the roadmap—thank you!
@aykut597715 I have added this as a feature. You can now generate a unique shareable link that provides a full read only view of the plan. Thanks again for the feedback!
How does the tax modelling actually work for things like salary sacrifice or multiple pension contributions in different tax years, and is that data refreshed when the rules change or do I need to manually update it?
@selim380478 Thanks! Right now the tax modelling is intentionally quite simple. It uses the current UK tax bands and pension rules to estimate tax on withdrawals, but it doesn't yet model things like salary sacrifice, relief at source, or multiple contribution types separately.
My goal is to make the tax engine modular so HMRC rule changes can be updated centrally rather than users having to rebuild their plans every time legislation changes.
This started out as a tool I was built for myself because I couldn't find anything that answered the questions I actually cared about. As it's evolved into something other people are finding useful, I'm shaping the roadmap around real user feedback. If there are particular tax scenarios you'd like to see supported, I'd genuinely love to hear them. Drop me an email via the site
How does it actually handle the tax side of things across different UK scenarios like salary sacrifice vs take-home contributions, and is that kept up to date as rules change?
@ayhan373792 Thanks! Right now the tax modelling is intentionally quite simple. It uses the current UK tax bands and pension rules to estimate tax on withdrawals, but it doesn't yet model things like salary sacrifice, relief at source, or multiple contribution types separately.
My goal is to make the tax engine modular so HMRC rule changes can be updated centrally rather than users having to rebuild their plans every time legislation changes.
This started out as a tool I was built for myself because I couldn't find anything that answered the questions I actually cared about. As it's evolved into something other people are finding useful, I'm shaping the roadmap around real user feedback. If there are particular tax scenarios you'd like to see supported, I'd genuinely love to hear them. Drop me an email via the site
Love that it actually shows you when you can stop working, not just retire - that framing feels so much more useful. The Monte Carlo stress testing gave me a much clearer picture than the usual static projections I've seen elsewhere.
@kardelen415764 Thank you! That distinction was actually the whole reason I built it. Most retirement calculators seem to answer "when can you retire?" but the question I really cared about was "when can I stop doing work I don't enjoy and know my family will be okay?"
I'm really pleased the Monte Carlo analysis helped too. My aim is to give people confidence in a range of possible outcomes rather than a single optimistic projection.