Everything you need to plan, visualise, and optimise your financial journey - all with UK 2026/27 tax rules built-in.
See your financial future through three standard accounting statements. The P&L shows what you earn and spend each year. The Cash Flow tracks actual money in and out. The Balance Sheet shows what you own versus what you owe.
Track up to 10 pension pots including workplace DC, SIPP, personal pensions, and old employer schemes. Monitor values, contributions, and expected returns across your entire pension portfolio.
Calculate your State Pension entitlement based on National Insurance qualifying years. Includes triple-lock projections and gap analysis for optimising your NI record.
Model your 25% tax-free lump sum with the new Lump Sum Allowance cap of £268,275. Understand how to maximise your tax-free withdrawals at retirement.
Comprehensive UK tax planning with all 2026/27 allowances, reliefs, and optimisations. Create scenarios to minimise your tax liability.
Automatically allocate surplus income to tax-efficient savings in priority order: ISA, Pension, then GIA. See optimal allocation with effective tax rates.
Calculate relief from pension contributions, Gift Aid, EIS (30%), SEIS (50%), VCT (30%), and other tax-advantaged investments.
Track your principal residence, second homes, and up to 5 buy-to-let properties. Model rental income, mortgage costs, and property appreciation.
Calculate CGT on property sales with the £3,000 annual exemption. Includes main residence relief and BTL-specific calculations.
Specialist FHL tax calculator meeting the 210/105 day test. Includes FHL-specific benefits like Business Asset Disposal Relief.
Create unlimited scenarios to test different strategies. Use Quick Copy for full control or Guided Wizards for common questions like retiring earlier, buying a home, or increasing contributions. Compare any two scenarios side-by-side.
Run 1,000+ market simulations to understand the probability of achieving your financial goals. Stress-test your plan against market volatility.
Side-by-side scenario comparison with pension projections, sustainable income (4% rule), and lump sum calculations. See which strategy wins.
Stress-test your plan against elevated inflation periods. Understand purchasing power loss and how your assets hold up.
Track up to 10 protection policies including life insurance, critical illness, income protection, and death-in-service benefits.
Full UK IHT calculator with Nil Rate Band (£325k), Residence NRB (£175k), 7-year gifting with taper relief, and business reliefs.
Visual estate flow diagram showing estate distribution to spouse, beneficiaries, with IHT calculations and exemptions clearly displayed.
Simulate care costs (residential, nursing, home care) on wealth with UK 2024 estimates. Optional LTC insurance modelling included.
Model guaranteed income from annuity purchases with joint life, escalation, and guarantee period options. Calculate breakeven years.
Model income loss from illness/injury with insurance benefit calculations. Project savings depletion timeline and protection gaps.
Choose from 5 quick templates or build your own from 22 sections. Preview your report in real time, then download as branded PDF, interactive HTML, or a full data extract ZIP.
Build custom reports from 22 sections and 5 templates. Export as branded PDF, interactive HTML, or full Data Extract ZIP for offline analysis.
Xero-style Balance Sheet, P&L, and Cash Flow reports. Click through to individual journal entries with running balances and period comparisons.
Export cash flows, Monte Carlo results, and full reports to Excel. Structured CSV/JSON export for CRM systems like Salesforce and HubSpot.
Built-in AI assistant that understands UK financial planning. Ask questions about your plan, get explanations of tax rules, or explore strategies in plain English.
Automatically determine the most tax-efficient drawdown order across ISA, pension, and GIA accounts. Minimise your lifetime tax bill in retirement.
Calculate exactly how much portfolio loss your plan can absorb before your goals are impacted. Essential for risk-appropriate investing.
Model education costs per child across primary, secondary, sixth form, and university. Includes UK benchmarks from state school to boarding and education-specific inflation.
Visual timeline of life events and milestones with drag-and-drop repositioning. Model one-off windfalls, property sales, or large purchases at specific ages.
Track individual share and ETF holdings within your pension pots. Search funds by name or ISIN, with live prices, OCF data, and 1/3/5-year performance.
Every save creates an immutable snapshot for FCA compliance. Compare any two versions side-by-side, lock versions, and add advisor notes.
All sensitive client data is encrypted at rest using Fernet encryption. Role-based access, rate limiting, input validation, and comprehensive audit logging.
Found a better strategy? Promote any "what-if" scenario to become your main plan with one click. Your original plan is safely versioned.
Every feature shows where data flows through the app:
Start your free trial and explore all the tools Wealth365 has to offer.