Portfolio Over Time (nominal values)
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Inputs and formulas match Lifeplan.xlsx simplified model.
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Premium adds protected AI-assisted review and other advanced tools on a separate route, without changing the free dashboard.
Click a bar on the chart to inspect that year's cash flow.
Marginal tax split per person (20%, 40%, 45% and effective 60% personal allowance taper band).
Proportional bars show where money came from and where it went in the selected year.
Flow lines show the proportion moving from income sources into taxes, spending, and savings change.
Historic start-year runs. End year equals start year plus years retired (life expectancy - retirement age).