Disclaimer and modelling limitations
Please read this before relying on a Pension Planner result.
No forecast is a promise
Investment returns, inflation, longevity, spending, tax law and pension rules are uncertain. Results describe outcomes generated by the assumptions entered, not guarantees.
Tax modelling is simplified
Pension Planner models selected UK retirement-tax concepts for planning purposes and is not a complete tax-return engine.
GIA calculations are planning approximations
GIA modelling uses an account-level pooled acquisition cost and annual planning assumptions. It does not model individual security lots, exact same-day/30-day matching, full loss carry-forward or exact transaction sequencing.
Rental-property calculations are simplified
The gross-rent-minus-expenses option does not calculate residential finance-cost relief, carry forward property losses or determine whether every entered expense is tax allowable.
Investment risk
Monte Carlo uses a simplified statistical model; real markets may behave differently.
Professional advice
Before material pension, investment or tax action, check current rules and seek suitably authorised professional advice where appropriate.