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PlenenceYour plan

For UK savers with £100k to £2m

Your financial life, continuously planned.

Plenence turns the statements in your drawer into one plan: where you are, whether you are on track, and the three decisions that matter most this year. Every figure is calculated, cited and explained.

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Guidance and modelling, not regulated advice. Plenence is not authorised by the FCA and never recommends a product, fund or provider.

Financial plan · 6 October 2026

Alex's plan

Net worth

£1,223,500

On track for your target

91%

Health score

91/100

Inheritance tax from April 2027

£289,400

Three things matter most

  1. 1

    Your estate could face about £289,400 of inheritance tax

    About £289,400 · by 6 April 2027

  2. 2

    Your plan falls short of your retirement income target

    About £157,631

  3. 3

    Your employer would pay in more if you did

    About £1,840

Example household. Every figure is calculated by the Plenence engine on the UK rules verified 6 October 2026.

Every rule cited to

HMRCHM Treasurylegislation.gov.ukDWPFSCSFCABank of EnglandThe rules dataset

01 · Position

Drop in what you have. Get one map back.

Pension statements, ISA and bank statements, payslips, spreadsheets or a pasted email. Plenence reads them into one picture and shows you exactly where each figure came from, page and line.

  • Nothing counts until you confirm it
  • Net worth by wrapper, and how much of it you can actually reach
  • Statements over a year old are flagged, not silently used

What you own, by wrapper

Net worth £1,223,500

Defined contribution pension
£398,500
Stocks and shares ISA
£148,000
General investment account
£38,000
Cash savings
£61,000
Property
£720,000
Debts
(£142,000)
HoldingValue
Current employer
Defined contribution pension · 0.40% charge
£312,000
Joined 2004
Defined contribution pension · 1.45% charge
£86,500
Stocks and shares ISA
Stocks and shares ISA
£148,000

What if Alex retires at

Sustainable income to 100

£41,8521

base plan

On track

91%

target £46,000

At target, money lasts to

age 93

short £4,148 a year

£0£445,030£890,061retire at 62£890,061 at 615363738393
Total savings by age, today's money.

02 · Retirement

Projected year by year, to 100.

Deterministic code, not a language model, projects contributions, tax relief, charges, the State Pension and drawdown in today's money. It tells you the income your money sustains, the gap to your target, and what would close it.

1 Growth at the FCA projection rates, inflation at the Bank of England 2% target, tax at the cited income tax bands. Switch the retirement age in the what-if: each age is a separate run of the engine.

03 · Decisions

The few things that matter, ranked.

Decisions ranked by pounds, deadline and confidence: an unclaimed employer match, an allowance about to expire, a charge worth reviewing. Each one says why you are seeing it, which figures and rules it used, and where to check them.

  1. 1Your estate could face about £289,400 of inheritance tax£289,400
  2. 2Your plan falls short of your retirement income target£157,631
  3. 3Your employer would pay in more if you did£1,840
  4. 4You hold more cash than a six-month reserve£910
  5. 5Review the 1.45% charge on Former employer plan£822
  6. 6£16,000 of this year's ISA allowance is unused£288
3

Your employer would pay in more if you did

£1,840
  • Your employer matches personal contributions up to 8.0% of salary (Workplace scheme).
  • You pay in about 6.0% of a £92,000 salary.
  • Unclaimed employer money: about £1,840 a year, before tax relief on your extra contribution.

Next step: Ask HR or payroll how the match works and how to change your contribution rate.

Why am I seeing this?

Estimate basis: Employer contributions not received each year.

Confidence: 100% (from how many of the figures used are confirmed and recent)

Assumptions: Match terms are as recorded on your statement; schemes differ, so confirm them with HR.

Alternatives:
  • Keep contributions as they are if you need the cash now.
  • Raise contributions gradually at each pay rise.

Sources: Workplace pensions: what your employer contributes (GOV.UK)

First seen 6 October 2026. Guidance level 2 of 5: this is not a personal recommendation.

Example household. Every figure is calculated by the Plenence engine on the UK rules verified 6 October 2026.

04 · Stays planned

UK rules move. Your plan moves with them.

Plenence watches its sources daily. When a validated change affects you, it tells you what changed, why it matters to you, and roughly how much.

What Pro watches

  1. 6 April 2027

    Cash ISA limit from April 2027

    The lower annual cash ISA limit for people under 65 from 6 April 2027. Source: HMRC

  2. 6 April 2027

    Pensions and Inheritance Tax

    Whether unused pension funds count towards the estate: from 6 April 2027 they do. Source: HMRC

    In the example plan: inheritance tax rises by £159,400

  3. 6 April 2028

    Normal minimum pension age

    The earliest age most people can take a pension: 55, rising to 57 on 6 April 2028. Source: HM Treasury

Built on rules you can check.

  1. 01

    A cited UK rules dataset

    Income tax and National Insurance, pension allowances, State Pension, ISAs, inheritance tax and FSCS protection, each linked to the GOV.UK, HMRC, DWP or FCA page it came from. See the rules.

  2. 02

    Maths by code, not by a chatbot

    Projections, tax and inheritance tax are deterministic and tested against hand-worked cases. AI only reads your documents and words answers. How it works.

  3. 03

    A boundary that holds

    Every answer is checked by a separate classifier. Anything that strays into a product recommendation is rewritten as guidance or withheld.

  4. 04

    No commissions, no product placement

    Plenence is paid only by its users, so nothing in your plan is there because someone paid for it. Pricing.

For developers and agents

For your AI assistant, too.

The same rules and calculations are available as a JSON API and an MCP server, so an assistant can answer UK pension and inheritance tax questions with cited figures instead of guesses.

Developer docs

# MCP (Streamable HTTP)

https://www.plenence.com/api/mcp

# OpenAPI 3.1

https://www.plenence.com/api/v1/openapi.json

# Every response carries its sources

{ "result": …, "citations": [{ "authority": "HMRC", "rule_key": "iht.nil_rate_band", … }] }

Start with one pension statement.

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