What tracking your FI date actually looks like.
Three UK households, tracked month by month by the same engine as the paid app. Pick one and follow the story from first balance to monthly verdict.
Priya is 34 and single. She saves £900 a month across a workplace pension and an ISA, and assumed she would work until 63.
Two accounts and one goal: £32,000 a year to live on, State Pension included.
Financially independent at 55.
She assumed 63. The engine replayed her plan through 86 years of market history and found the earliest sustainable age: 55, 8 years earlier.
18 months logged. £8,050 ahead of plan.
Kind markets, plus ISA top-ups she had not planned. Priya is about 5 months ahead of schedule, and her earliest FI age has re-anchored from 55 to 54. The date is a year closer and she can prove it.
The demo ends here. Yours starts with three minutes of questions.
One household, two incomes, four accounts, one shared plan. Sam pays Scottish income tax, and the plan knows it.
Four accounts and one goal: £36,000 a year together, two State Pensions included.
Financially independent at 54.
Two people, two pension access ages, one shared date. Withdrawals are planned wrapper by wrapper and taxed per person, Sam on Scottish bands.
12 months logged. £300 ahead of plan.
Some months above the line, some below, never more than about £1,000 either side. On track is not a feeling here. It is a fact they can check, twelve months running, with the date steady at 54.
The demo ends here. Yours starts with three minutes of questions.
Dave started late and knows it. £1,200 a month now goes into catching up.
Two accounts and one goal: £20,000 a year to live on, State Pension included.
Financially independent at 61.
A late start is a plan, not a verdict. Starting at 47 with £38,000, replayed through 86 years of history, his plan sustains from 61.
10 months logged. £4,040 behind plan.
On plan through month 5, then a market dip knocked both pots back over months 6 to 8. Two strong months clawed some back, and month 10 still ends about 2 months behind schedule, with the date holding at 61. myRetireAge.com says so plainly. A tracker that only ever agrees with you is a mirror, not an instrument. If the gap widens, the date will move, and Dave will see it move.
The demo ends here. Yours starts with three minutes of questions.
A spreadsheet answers once. A tracker answers every month.
Your sheet already gives you a number. myRetireAge.com stress-tests it, then keeps checking it against reality.
£9 a month, or £119 once.
Every plan starts with a 7-day free trial. No credit card required.Questions, answered plainly.
Are Priya, Alex, Sam and Dave real users?
No. They are illustrative personas with realistic numbers. Every projection here comes from the same engine the paid app uses; the monthly balances are authored examples, labelled as such.
Are the projections real calculations?
Yes. Every projection and verdict on this page is computed by the same engine the paid app runs, replaying each plan through 86 years of market history. Nothing here is typed in: if the engine changes, this page changes with it.
What does tracking involve?
Log the real balance of each account once a month. It takes about a minute. myRetireAge.com compares them with your plan and tells you whether you are ahead or behind, and by how much.
What happens if I fall behind, like Dave?
The headline says so, plainly. The chart shows the gap, and your earliest FI age is re-checked against your real balances, so you find out early, while small changes still fix it.
How do I start?
Run the free calculator, no account needed. If you want the monthly verdict: Every plan starts with a 7-day free trial. No credit card required.