Sample household: Director household
A couple where one partner runs a limited company. One child. Both plan to stop work in their early fifties. Values as at 30 September 2026.
- Net worth £1,294,800Everything the household owns, less the mortgage. Company money is not included.
- Money you can get to £367,200ISAs, savings and investments that can be spent before a pension unlocks.
- Pensions £414,600Reachable from age 57.
- Company money £185,000Held in Alder Data Ltd, before tax to take it out.
The bridge
The household plans to stop work in 2034. The first pension can be reached in 2039: a bridge of 5 years.
At £62,000 a year, the bridge needs £310,000 in today's money. The money they can get to today is £367,200, which covers it with £57,200 to spare. £185,000 of company money sits alongside it, before tax to take it out.
This is today's figures only, before growth and before tax on what is drawn. The app's projection works year by year from your own figures, and adds contributions, growth, inflation and tax.
People
| Name | Age | Work | Stops work at | Pension from |
|---|---|---|---|---|
| Alex | 44 | Director of Alder Data Ltd | 52 | 57 |
| Jamie | 42 | Employed, part time | 50 | 57 |
| Robin | 9 | Child | — | — |
Accounts
| Account | Whose | Before a pension? | Value |
|---|---|---|---|
| Self-invested personal pension | Alex | From 57 | £318,400 |
| Workplace pension | Jamie | From 57 | £96,200 |
| Stocks and shares ISA | Alex | Yes | £164,300 |
| Stocks and shares ISA | Jamie | Yes | £121,800 |
| Easy-access savings | Joint | Yes | £38,500 |
| General investment account | Alex | Yes | £42,600 |
| Family home | Joint | No | £685,000 |
| Mortgage | Joint | No | −£172,000 |
| Net worth | £1,294,800 | ||
Income and tax
Worked out with the same UK tax rules the app uses, for the 2026 to 2027 tax year.
| Salary | £12,570 |
|---|---|
| Dividends | £37,700 |
| Income Tax on salary and dividends | −£3,999 |
| National Insurance | £0 |
| Take-home for the year | £46,271 |
| Salary | £32,000 |
|---|---|
| Pension by salary sacrifice | −£1,600 |
| Income Tax | −£3,566 |
| National Insurance | −£1,426 |
| Take-home for the year | £25,408 |
Alder Data Ltd
How the company's year pays Alex, and what it keeps. Its cash is company money: it is shown on its own and never counted in net worth, because taking it out is taxed.
| Sales this year | £165,000 |
|---|---|
| Running costs | −£12,000 |
| Alex's salary | −£12,570 |
| Employer National Insurance | −£1,135 |
| Employer pension contribution for Alex | −£30,000 |
| Corporation Tax | −£25,213 |
| Dividends paid | −£37,700 |
| Kept in the company this year | £46,381 |
What this sample leaves out
- Investment growth and inflation. The figures here are today’s, in today’s money.
- Contributions between now and stopping work.
- Tax on money drawn from investments and pensions.
- The State Pension.
- Simulations of good and bad markets, which the app runs on your own figures.
Oxygene Finance provides information, not financial advice. Oxygene Group Ltd, which runs it, is not authorised or regulated by the Financial Conduct Authority (FCA).
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