See where your money could take you.

A fan of possible futures A single line of past savings reaches today, then fans out into many possible future paths, above coloured bands showing where the money comes from.

Cashure models your income, spending, pensions, property and tax year by year, then tests your plan against thousands of possible futures, so you can see how often it holds up.

Get Cashure See what it does

For Windows. Your plans stay on your own computer.

Cashure's Overview screen for a fictional couple: a timeline of life events such as a house deposit and retirement, the points where each person’s plan ends, a green verdict that the plan works in 97% of simulated market paths, and statistics on income, growth, inflation, tax and charges.
Cashure, showing a made-up example plan. Click any screenshot to see it full size.

Plan for the range, not the average

Markets, inflation and how long you live are all uncertain. Cashure runs your plan through thousands of possible futures and shows you how often it holds up.

See how often your plan holds up

Markets are unpredictable, so Cashure tests your plan against thousands of possible futures (a Monte Carlo simulation) and shows the best, worst and typical outcomes. It can also replay real market history.

A fan of many simulated futures for the couple’s total savings: green lines where the plan stays on track, red lines where the money runs out, and a thick blue line for the selected outcome, with a legend above the chart.

Tax worked out for you

Income tax, capital gains tax, inheritance tax and stamp duty are calculated year by year, including allowances and tax bands that change over time. Click any year to see exactly where the money came from and went.

The Overview with the year panel open for 2034: a pie chart of the couple’s assets, a £30,000 campervan purchase, income by source, tax paid and the amount left to spend.

Spend more while you’re active, less later

Set spending phases (go-go, go-slow and no-go years) and drag them on the chart to see straight away what each choice does to your plan.

An income chart with two dotted dividers marking where spending steps down in later years, labelled 92% and 80% of the spending target, with the bars stepping down to match, and the chart legend above.

Compare two versions of your plan

Stop work sooner? Downsize? Pay off the mortgage? Put two scenarios side by side and see the difference. Here, retiring about four years earlier drops the success rate from 97% to 82% and the final net worth from £2.8m to £1.1m.

Two scenarios stacked for comparison: the original plan with a 97% success rate and £2.8m final net worth, and a version where both people retire about four years earlier, with an 82% success rate and £1.1m final net worth.

All your pensions in one place

Workplace and personal pension pots, final-salary (defined benefit) schemes, annuities and the State Pension, with the annual allowance and the age you can start taking each one.

Plan as a couple

Model two people together, including what happens to the survivor’s income, home and estate when one partner dies.

Also covers ISAs and general investment accounts, property and buy-to-let, debts and loans, gifts and inheritances, and your estate’s inheritance tax.

How it works

  1. Describe your situation

    Add the people, the pots, the property and the income you expect. Cashure works in today’s money so the numbers mean something.

  2. Choose your strategy

    Decide what to draw from which pot, in what order, and how your spending should change as you get older.

  3. See the range

    Watch your balances, income and tax across every plausible future, and spot the years where the plan is under strain.

As simple or as detailed as you like

Some people want a quick answer to “will my money last?”. Others want to model every account and every tax rule. Cashure works at your level, and you can switch whenever you like.

Just the headlines

Plain-English wording and only the essentials to fill in. Pick any year on the chart and see, in a simple waterfall, how your money grew or shrank that year.

Cashure at the Low detail level: just three tabs, a balances chart in plain-English terms, and for the selected year a simple waterfall showing money in, tax, spending, investment growth and inflation.

The usual picture

Your money grouped by what it is, such as pensions, shares and funds, or property. Pick a year and the waterfall can split each step into its sources, with the detail tucked away until you want it.

Cashure at the Medium detail level: a balances chart split into pensions, cash and bonds, shares and funds, and property, and for the selected year a waterfall whose bars are broken down by where the money sits.

Every detail

Every account, allowance and tax setting. Pick a year and a flow diagram shows exactly where each pound came from and where it went, down to the individual accounts.

Cashure at the High detail level: a balances chart by individual account, and for the selected year a flow diagram with a breakdown of each source and destination, such as DC pension drawdown, salary and tax, plus the year’s value changes.

Changing level only changes what you see. Anything you’ve entered at a more detailed level is kept and still counts, so you can move up or down without losing work.

Private by design

Cashure runs on your own computer. Your plans are saved as files you control, and nothing about your finances is sent anywhere.

A planning tool, not advice

Cashure helps you understand your options. It isn’t regulated financial advice, and projections are illustrations, not promises. For big decisions, speak to a qualified adviser.

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