How the numbers work
The model behind the figures, and where each figure comes from.
- Today’s money and future moneyWhy every figure appears twice, and which of the two to read.
- Why Landfall counts in tax yearsThe allowances a household uses start again each April, so the plan’s years do too.
- How the projection worksWhole tax years, in order, with growth exactly as you set it.
- Selling or downsizing the homeWhat happens when the plan sells the home, or swaps it for another, in a year you choose.
- Where the figures come fromEvery tax figure in Landfall traces back to a named source and the date it was read.
- The assumptions you setLandfall starts you with sensible defaults. All of them are yours to change.
- Your withdrawal rateWhat the rate on the plan page measures, and what it can be set beside.
- Your withdrawal rate, in more detailWhere the safe withdrawal rules come from, why their history may not repeat, and what a long retirement changes.
- How your State Pension risesOne assumption sets how the State Pension grows each year, and you can change it to try a different rule.
- Tax in your planWhat Landfall taxes, for whom, and where to see the working.
- Tax in your plan, in more detailThe order each tax is worked in, the cases at its edges, and where each one shows.
- How your tax is collectedThrough a tax code, a letter or a return, and why a month’s tax can differ from the plan’s.
- What Landfall covers across the UKFour nations, each with its own income tax and its own care rules, and where the coverage stops.
- What Landfall covers across the UK, in more detailWhich figures depend on each person’s nation, a couple in two nations, and where the nation makes no difference.
- The words Landfall usesThe words a plan uses, and what each of them means here.
- What the pension warnings meanEach warning about a pension, and what the plan did about it.
- What the savings and spending warnings meanEach warning about savings, spending or care, and what the plan did about it.
- What the home warnings meanEach warning about the home’s sale, and what the plan did about it.
Other help sections
See your own year
Will your money last?
Enter what you have, earn and spend. The first answer is free.
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