Strategy pick one
Each strategy decides how to assemble your target net income from SIPP / ISA / GIA / BTC loan each year, given fixed income from state pension and rent. All four run the same UK tax engine — the difference is how they sequence withdrawals.
Simulation controls
Income composition
Stacked bars show where each year's money comes from. The dashed line is your inflated net-income target; the solid line is what the strategy actually delivers net of tax. Hover to see the breakdown.
Wrapper balances
Each wrapper compounds at your growth assumption and shrinks as you draw from it. BTC never sells — the loan stacks on top.
Legacy value (pre- and post-IHT)
Estate value each year, and what's left after IHT at your death age. From 6 April 2027, SIPPs become IHT-chargeable — reflected year-on-year.
Year by year editable
Strategy-computed draws are shown in white; edit any cell to override a single year's draw from that wrapper. Highlighted fields are overrides.