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Popular Frequently Asked Questions

See all of our FAQ help points

What does LifePlan mean by general estimate for income (yield)?
This is how much you estimate your investments to pay out (or re-invest) as annual income expressed as a percentage of the capital sum invested.
I am taking a tax-free income from my investment (insurance) bond, where do I enter this in my LifePlan?
As you are receiving tax-free income, you should enter this bond in the Assets and Other Tax-Free Savings section.
Why is there no end date for credit cards and repayment loans.
LifePlan will estimate when your credit card balance and/or repayment loan will be repaid from your current balance, interest rate and expected monthly payments.
Where will I find the annual National Insurance Contributions (NIC) deducted from my annual pay.
You can get this from your P60 or from your employer. Alternatively, you can estimate the annual figure by taking the NIC from one of your payslips and multiplying this  by 12.
Why do I need to make an allowance for Capital Gains Tax (CGT) on the sale of some assets e.g. home
Capital Gains Tax (CGT) could be a significant tax liability on the sale or disposal of an asset so we provide the facility for you to model such a liability in your LifePlan. However, the application of CGT is complex so we ask you to input a notional rate of CGT  based on the sale value of the asset. If you know the approximate CGT liability on the future sale of a specific asset you can select the most appropriate rate using the slider.

Retire Easy Ltd.

RetireEasy is the UK’s only independent retirement planning tool. LifePlan gives you an overview of all of your assets – including investments, pensions, savings, business assets and properties – and the income you will receive after liabilities such as debts, mortgages and income tax. It is not just a snapshot, but shows you how your finances will evolve throughout your retirement.

Premium LifePlan not only provides live updates on stocks and fund values, provided by Morningstar, and you can model a Lifetime Mortgage, create and compare up to 3 scenarios of your financial future, radically reduce life insurance costs through a Life Assurance Premium Checker and you can print user-friendly narrative reports.

RetireEasy was established in 2011 and has helped thousands of users to understand their finances throughout retirement and adjust their plans to ensure that their money will last.

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New features on RetireEasy.

Not yet retired?

You can now include all your additional savings, investments and Pension Contributions between now and your retirement, taking into account increasing these Additional Contributions year-on-year and stipulating whether these are one-off or recurring contributions. As always, you can revisit these projections and change them at any time either when your expectations change, or you have real numbers to replace projections already made.

New useful charts?

There are now three additional charts, further breaking down your assets and income.

Download your data in a spreadsheet?

You can now also download spreadsheets giving you the opportunity to view all of your entered information, and your entire LifePlan in one glance.

Sign up now