A 34-year-old wants to retire at 50.

The Situation

The scenario models a 34-year-old software engineer on £65,000, with an additional £18,000 from freelance income. The main wealth vehicle is an £80,000 Stocks & Shares ISA, topped up with the full £20,000 allowance each year.

There is also a £38,000 workplace pension and a Lifetime ISA. The objective: retire at 50, live on £28,000 per year, and still have money at 90. A simple spreadsheet suggests the ISA runs dry at 73.

Scenario dashboard — projection hero with KPI cards

What Wealth365 Showed

Wealth365 runs 500 Monte Carlo simulations. Under the median market path, funds last to 88. The stressed 25th-percentile path depletes at 78 — a 16-year gap that the spreadsheet missed because it used a single average return.

The projection separates the ISA (accessible at 50) from the pension (accessible at 57), revealing a critical 7-year bridge gap to plan around.

Year-by-year projection with income, expenses and net worth

The Feature That Changed Things

The Monte Carlo fan chart shows five percentile bands — 10th, 25th, 50th, 75th and 90th — as coloured areas on the net worth projection. The range of outcomes is visible at a glance, not just a single optimistic line.

The Scenario Builder tests three changes: (1) work until 52, (2) cut spending to £25,000, (3) increase contributions by £200/month. Option 3 lifts the 25th-percentile success age from 78 to 87.

Monte Carlo fan chart — 500 simulations showing probability bands

KPI summary — on-track %, projected wealth at retirement, and sustainable income

What They Did Next

The plan adds £200/month to the ISA, sets a Goal that flags if the bridge-gap projection falls below 6 years, and re-runs Monte Carlo every 6 months. The Multi-Year Financial Statements (Excel) export provides the year-by-year ledger evidence behind every assumption.

Custom-branded PDF report — ready to share or save (Multi-Year Financial Statements Excel workbook produced from the same plan)