Trajecta

Early access

Know where you're headed.

Model your financial future. See how saving, investing, tax, and retirement decisions change the path ahead.

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trajecta.co.uk/dashboard

Set your plan

A few inputs create a personalised view of your future

Step 1 of 4

Current age

Retirement age

Pension pot

£150,000

Other savings

£60,000

Annual savings

£10,000

Target income

£35,000/year

Build a projection using your savings, retirement date, and target income.

Your plan is being pulled in two directions

Retiring early vs your target income

Step 2 of 4

Confidence

44%

Current plan may not sustain your £35k/year target through retirement.

Projected pot

£605k

Target income

£35,000/year

Increase pension
+£300/month
About £180 real monthly cost after 40% tax relief.

Delay retirement

+2 years

Move retirement from 58 to 60 to improve sustainability.

Retiring early is doing more damage than it looks. Retiring at 58 leaves less time for compounding to do the heavy lifting.

Small changes can shift the outcome

Saving more and retiring later strengthens your plan

Step 3 of 4

Confidence

66%

Updated plan is now approaching your target income range.

Projected income

£35,000/year

Adjustment applied

+£300/month + retire at 60

Retirement age

Just two extra years of earning and compounding make a material difference.

Impact
+22 pts
Confidence moves from 44% to 66% with a focused change and a two-year shift.

Delaying retirement gives your investments more time to compound, doing most of the heavy lifting. At 66%, the plan is stronger, but stronger still doesn’t mean guaranteed when timing risk remains.

A stronger plan still has weak points

Why timing still creates risk

Step 4 of 4

Projected Wealth

What this tells you

Being close isn’t the same as being safe.

The plan works more often, but small changes in timing can still bring failure forward by years.

Higher impact early in retirement

Shocks near the start of drawdown do more damage than the same shocks later on.

Improvements buy you time, not certainty

The stronger plan delays failure in most cases, but timing still determines the outcome.

What it helps you answer

A clearer view of the questions that matter.

Understand the trade-offs between saving, investing, tax, and timing, so you can make better decisions with confidence.

Can I afford to retire earlier?

See how different contribution levels, spending assumptions, and market outcomes affect your timeline.

Am I saving enough?

Understand whether your current path is likely to support the life you want later on.

Should I prioritise pension or investments?

Explore where extra money may have the biggest impact after tax, allowances, and long-term growth are considered.

What happens if I change course?

Test different scenarios and see how life events or new goals could change your future.

How it works

Simple to use, built for real-life decisions.

Trajecta turns complex planning into something you can actually use. Start with your current position, see where it leads, then explore different paths.

Add your details

Bring together your income, pension, savings, investments, and key assumptions in one place.

See your future

Get a clearer picture of your trajectory, including retirement timing, income, and financial resilience.

Explore different paths

Adjust contributions, spending, retirement age, and other variables to see what changes most.

Clear modelling without the product noise. See the impact of different choices more clearly, with practical context built around UK personal finance.

What Trajecta is

A decision tool, not a financial adviser.

Trajecta helps you model your financial future and explore different scenarios. It doesn’t recommend products or give regulated advice, it gives you clarity so you can make better decisions yourself.

Model your future

Project income, savings, pensions, and investments over time.

Test scenarios

Change contributions, retirement age, or spending and see the impact instantly.

Understand tax impact

See how allowances, tax bands, and wrappers affect your outcomes.

Make better decisions

Turn complex trade-offs into clear, actionable insight.

Early access

Get early access.

Join early access for release updates and first access invites. We’re keeping the first version focused and useful.

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