What should I do after my first plan appears?
Read the verdict and the four numbers under it, then make the plan more accurate: the card “How complete this plan is” lists what to add, most useful first.
Read it, then sharpen it. Your first plan is complete but rough: it rests on eight answers and your country’s default rates. The Overview tells you where you stand, and the card near its foot — How complete this plan is — tells you exactly what to add next.
The first time you open the Overview, a short tour points at each of these in turn. You can take it again at any time from the account menu: see how to take a page’s tour again.
Read the result
- Start with the word under Your financial freedom outcome — Critical, Short, Tight, Workable, Comfortable or Ample — and the sentence beneath it.
- Check the four numbers: Savings when you stop earning, savings at the end of the plan, Average withdrawal rate and Does it run out?
- Look at the three money cards — What you earn, What you spend and What you owe — your money today, before any projection.
Make it more accurate
Under What would make it more accurate, each item you have not answered has an Add this button that takes you to the right section. The ones that usually matter most:
- Break your spending into categories. In Living expenses, Break this into categories sets out the categories at zero; fill them in and bring the single figure down to zero, so nothing is counted twice. Health then rises at medical inflation and school fees at education inflation, instead of everything at one rate. This is the single largest factor in the score.
- Say which savings are your emergency buffer, in Investments.
- Add what the quick start did not ask for: savings schemes, property, gold, loans under Liabilities, and one-off costs under Life goals.
- Add your partner, if you plan as a couple, under You & your assumptions.
Your plan
How complete this plan is
70% Taking shapeNot a probability — that is what the outcome word answers. This is how much of the projection rests on figures you gave us rather than on a country default.
- Your ages and where you will be living
- What you spend, category by category
- What you have saved
- What you earn
- Which savings are your emergency buffer
- Whether each property is your home
The unanswered ones are the list of what would sharpen it.
The site’s drawing of the card: a percentage with its band word, a meter, and a list where ticks are answered and plus signs are still open.
- The score and its word — here 70%, Taking shape.
- Not a probability: it measures how much of the projection rests on your own figures.
- Each open item is something that would sharpen the answer.
Illustrative figures — not anybody’s real plan.
Then
- Open Action Items for anything that looks like a placeholder, each with the reference point it was measured against.
- Press Re-generate my plan when you have finished a round of changes — see when to re-generate.
- Open the Retirement Tracker to see the year-by-year ledger and what a crash or a longer life would do.
See this in your own plan.
Open OverviewLast reviewed 1 October 2026.