Future Scenarios

See the version of you with better decisions.

Model what happens if you overpay the mortgage, max your SIPP, or retire at 55. Side-by-side projections, based on your actual portfolio, not a generic calculator.

Scenarios
Overpay mortgage by £400/mo
Retire at 55
Max ISA every year
Second property in 2028
Projected net worth
£1.84M· age 60
+£312K vs. current path
40506070
RETIRE · 55
202620352045
Summary
If you overpay £400/mo and max your SIPP
Free at 54Mortgage clears 9 years early
vs. current path− 6 yrs
Assumptions
Edit
Monthly overpayment£400
SIPP contribution£1,250/mo
Expected return6.5%
Inflation2.8%
Milestones · this scenario
ISA fully funded2027
£100K liquid2029
Mortgage cleared2035
Retire2041
Compare current vs. scenario

What-if planning

Test the choices that change your life

Overpay the mortgage, max your SIPP, retire at 55, buy a second property. Model any decision with your real numbers, not a generic calculator. Every scenario builds on your actual assets, debts, and contributions.

Side-by-side projections

See current path versus alternative

Compare the world where you change one thing against the path you're already on. The projection chart overlays both, so you can see exactly how much earlier you'll hit your goals, or how much further you'll get by retirement.

Goals and milestones

Know when you'll hit each milestone

Aureli pinpoints the year your mortgage clears, your ISA fills, your liquid savings hit a target, and when retirement becomes financially possible. Adjust the assumptions and watch every milestone move with you.

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