The home stretch in more detail

‘When you stop work’ runs the plan again with your leaving month, and the three either side, as your last day of work. Each month’s figure is everything in your pots when the last pension starts, pensions included, in today’s money. Where no month leaves anything, the table says so.

Choose a month and every figure on the tab follows it, as a preview. ‘Move my leaving date’ writes it into the plan, and you can move it back.

‘Spare savings’ starts from the household’s savings and ISAs when work stops, and takes away what the bridge draws to its lowest point and the emergency fund. What is left is spare. Whose savings can move says which part of it can. Where the bridge falls below the fund, nothing can move.

A slider sets an amount paid into the pension in the leaving year, with what goes into the pension, the tax saved and the bridge money left beside it. ‘Add into my pension’ writes it as a one-off and locks the slider until you remove it. ‘ISA top-up’ offers what is left, against that year’s ISA allowance, with its own ‘Add into my ISA’.

‘Compounding effect over a thirty-year retirement’ opens on request. It follows the same amount inside the pension and outside it, under the plan’s growth rates and the tax rates Landfall holds.