Sample household: Salaried couple
Two salaried partners with workplace pensions, a mortgage and two children. Both plan to stop work in the same year, at 55 and 54. Values as at 30 September 2026.
- Net worth £562,700Everything the household owns, less the mortgage. Company money is not included.
- Money you can get to £115,900ISAs, savings and investments that can be spent before a pension unlocks.
- Pensions £230,800Reachable from age 57.
The bridge
The household plans to stop work in 2042. The first pension can be reached in 2044: a bridge of 2 years.
At £46,000 a year, the bridge needs £92,000 in today's money. The money they can get to today is £115,900, which covers it with £23,900 to spare.
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 |
|---|---|---|---|---|
| Sam | 38 | Employed | 55 | 57 |
| Chris | 38 | Employed | 54 | 57 |
| Ellis | 7 | Child | — | — |
| Rowan | 4 | Child | — | — |
Accounts
| Account | Whose | Before a pension? | Value |
|---|---|---|---|
| Workplace pension | Sam | From 57 | £142,500 |
| Workplace pension | Chris | From 57 | £88,300 |
| Stocks and shares ISA | Sam | Yes | £56,400 |
| Stocks and shares ISA | Chris | Yes | £34,900 |
| Easy-access savings | Joint | Yes | £24,600 |
| Family home | Joint | No | £430,000 |
| Mortgage | Joint | No | −£214,000 |
| Net worth | £562,700 | ||
Income and tax
Worked out with the same UK tax rules the app uses, for the 2026 to 2027 tax year.
| Salary | £68,000 |
|---|---|
| Pension by salary sacrifice | −£4,080 |
| Income Tax | −£13,000 |
| National Insurance | −£3,289 |
| Take-home for the year | £47,631 |
| Salary | £54,000 |
|---|---|
| Pension by salary sacrifice | −£2,700 |
| Income Tax | −£7,952 |
| National Insurance | −£3,037 |
| Take-home for the year | £40,311 |
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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