Is it time to
retire?

1. Choose a plan and buy — payment is handled securely by Paddle.
2. You'll receive an email with your personal purchase code and a link to the tool.
3. Open that link and paste in your code — you won't be asked again on that same device and browser, unless you clear its data.
4. Read the "Calculations, not advice" notice and confirm you understand, then start entering your numbers on Page 1.
5. If you're on the one-off plan, there's a "Download the App" button on the Home page. It saves a permanent offline copy of the app, already unlocked with your purchase code.
That's it — no account, no separate download, no installation.

Yes. The user guide at timetoretire.co.uk/guide.html walks you through getting started in about 15 minutes, explains what each page shows, and covers the pension terms in plain English. Inside the tool, the Help button on every page and the "What's this?" buttons on the Inputs page explain each part as you go. You can also try the free demo first, with a sample household.

Just come back to timetoretire.co.uk any time and click "Existing Customers" at the top of the page — no need to dig out the original email. If you're on the same device and browser as before, it'll open straight to your saved plan. If not, you'll just need your purchase code again — see "Do I need to keep my purchase code?" below.

Yes — keep it somewhere safe. It's the same code every time; we don't issue a new one. You'll need to enter it again if you switch devices or clear your browser's data. (A backup copy you download is already unlocked with your code, so it never asks for it.) If you lose it, check the original receipt email from Paddle first, or contact us at hello@timetoretire.co.uk and we'll help you track it down.

Just open your link on your iPad or iPhone in Safari or Chrome and enter your purchase code — it works straight away, no download needed. We recommend adding it to your Home Screen via the Share button → "Add to Home Screen": it then opens like an app, and Safari won't clear your saved plan if you haven't opened it for a while. Tablet is recommended as the charts display best on a larger screen.

We update the tool whenever significant changes occur — the Finance Act 2026 pension IHT changes (from April 2027) are already built in. Because the tool runs from our site, updates apply automatically — there's nothing to download or reinstall. If you're on the one-off plan and using a downloaded backup copy, you'll need to grab a fresh one from the tool to get the latest version.

Yes. The financial information you enter — pension values, savings, income, and so on — is stored only in your browser's local storage and never transmitted anywhere. The tool checks your purchase code with our licensing provider when you first unlock it, and then only occasionally (about every 30 days on the one-off plan, weekly on the monthly plan). Those checks contain no personal or financial information, just the code itself, and the tool works offline in between. A downloaded backup copy never makes the check. We have no access to any of the numbers you enter. Buying the tool is a separate step handled by Paddle, our payment provider, who collects your email and payment details to process your order — see our Privacy Policy for details.

No. Time to Retire is a financial planning and modelling tool — it helps you understand your financial position and explore scenarios, but it does not constitute regulated financial advice under the Financial Services and Markets Act 2000. We are not authorised or regulated by the FCA. For advice specific to your circumstances, please consult a qualified independent financial adviser.

Email hello@timetoretire.co.uk within 30 days of buying and we'll refund you in full — no questions asked. On the monthly plan this covers your first payment. The refund is made through Paddle, our payment provider, to the card you paid with, and your purchase code then stops working. You can also try the free demo first, with a sample household, before paying anything.

Cancelling stops all future payments. You keep access until the end of the month you've already paid for — no partial refunds for the current month.

Your financial data is never sent to us, so there's nothing of yours at risk either way. The tool itself normally runs from our site, so if it ever closed, you'd lose access to that hosted version. If you're on the one-off plan, you can protect against this at any time using the "Download the App" button on the tool's Home page — it saves a permanent, fully offline copy to your own device that needs no server to keep working. It's unlocked with your purchase code when you download it, so there's nothing to activate later. We don't promise to run the website for any set length of time, so we recommend downloading your backup copy as soon as you buy, and again after updates. This isn't available on the monthly plan, since access there is tied to your active subscription rather than a permanent local copy — this is one of the trade-offs for the lower price.

Yes — the tool supports both single and couple households. Simply select "Single" from the household type selector and all couple-specific inputs are hidden. The full tool works completely for individual retirement planning.

Time to Retire gives you cashflow modelling in real depth at a fraction of the cost. It's ideal for understanding your position, running scenarios and preparing for an adviser meeting. It doesn't replace the personalised guidance a good IFA provides — but it means you arrive far better informed.