The assumptions you set
Landfall starts you with sensible defaults. All of them are yours to change.
A projection is only as good as what you feed it. Every plan starts with a default for inflation, growth, volatility and the rest, and every one of them can be changed under the plan’s assumptions.
“Where these figures come from”, in the same panel, says where each default came from and when it is next due a review.
Growth is the assumption that moves the answer most, so it is the one worth setting deliberately. You can set it per pot type, or per holding where you have split a pot.
The growth you set is the average year. Good and bad years compound unevenly, so in the stress test the middle scenario usually ends a little below the plan page’s line.
Tax rates can be edited too, for a what-if. A plan with edited rates models a tax system of your own rather than the one on the statute book.
More in How the numbers work
- 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.
See your own year
Will your money last?
Enter what you have, earn and spend. The first answer is free.
Coming to the App Store for iPhone, iPad and Mac.
- The projection is free
- No account to make
- Your figures stay on your device