# My Financial Future

> My Financial Future is a UK financial-planning web app that helps individuals and
> couples model their long-term finances: retirement and pension projections,
> tax (Income Tax, National Insurance, Capital Gains, Inheritance Tax),
> investment growth, property and buy-to-let, debt repayment, and scenario
> planning. It also offers free public calculators that need no account.

## About

- [Home](https://www.myfinancialfuture.uk/): What the tool does and who it is for.
- [How it works](https://www.myfinancialfuture.uk/how-it-works): The planning process end to end.
- [Features](https://www.myfinancialfuture.uk/features): Full list of planning and projection features.
- [Behind the numbers](https://www.myfinancialfuture.uk/behind-the-numbers): How the projection engine and assumptions work.
- [Pricing](https://www.myfinancialfuture.uk/pricing): Free and premium plans.
- [About](https://www.myfinancialfuture.uk/about): The company and mission.

## Free calculators and tools (no account required)

- [When can I retire?](https://www.myfinancialfuture.uk/when-can-i-retire): Estimate when you could retire and reach financial independence.
- [How fast will my savings grow?](https://www.myfinancialfuture.uk/savings-growth): Project how regular savings and investments grow over time.
- [Investment growth calculator](https://www.myfinancialfuture.uk/investment-growth): Model compound growth on lump sums and contributions.
- [How much pension do I need?](https://www.myfinancialfuture.uk/how-much-pension-do-i-need): Work out the pension pot needed for a target retirement income.
- [What does a pension contribution really cost me?](https://www.myfinancialfuture.uk/pension-tax-relief): Tax relief and real take-home cost of a pension contribution.
- [Overpay my mortgage or invest?](https://www.myfinancialfuture.uk/overpay-mortgage-or-invest): Compare overpaying a mortgage with investing the money.
- [Compare debt overpayments](https://www.myfinancialfuture.uk/compare-debt-overpayments): Interest and time saved by overpaying a debt.
- [Compare renting vs buying property](https://www.myfinancialfuture.uk/rent-vs-buy-property): Rent vs buy and housing-cost analysis.
- [Compare mortgage types](https://www.myfinancialfuture.uk/compare-mortgage-types): Compare interest-only, repayment and offset mortgages.
- [Compare property vs shares](https://www.myfinancialfuture.uk/property-vs-shares): Compare property and shares investment outcomes.
- [Compare university vs work](https://www.myfinancialfuture.uk/university-vs-work): Compare the financial outcomes of higher education vs working.
- [What if markets crash?](https://www.myfinancialfuture.uk/market-crash-impact): See how a market crash affects a plan.
- [Inheritance tax calculator](https://www.myfinancialfuture.uk/inheritance-tax-calculator): Estimate UK inheritance tax.
- [Bitcoin strategy calculator](https://www.myfinancialfuture.uk/bitcoin-strategy-calculator): Model a Bitcoin-focused savings strategy.
- [All financial tools](https://www.myfinancialfuture.uk/calculators): Index of every calculator.

## Trust and support

- [FAQ](https://www.myfinancialfuture.uk/faq): Common questions about the tool.
- [Reviews](https://www.myfinancialfuture.uk/testimonials): What users say.
- [Contact](https://www.myfinancialfuture.uk/contact): How to get in touch.
- [Data encryption](https://www.myfinancialfuture.uk/data-encryption): How user financial data is encrypted and protected.

## Notes

- Scope: UK tax rules for England, Wales and Northern Ireland (Scottish income-tax
  bands are not modelled).
- This is a planning and educational tool, not regulated financial advice.
- Account dashboards, saved profiles and admin areas are private and not for crawling.