An incredibly valuable retirement planning tool! I stumbled upon this website when looking through retirement planning forums on facebook, and I'm so pleased I did. It was a simple task to enter det... See more
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Review summary
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Reviews shaping this summary
Guiide retirement finance modeller worked well for me. Gives both graphics and tabulated output. Easy data input and clear options for interest rate assumptions. A couple of additional features would... See more
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Really simple to use and gives a good indication of what’s possible - maybe sooner than some would expect. Lots of variables can throw things off course but that’s life. For anyone that hasn’t looke... See more
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Really helpful in helping me get a bead on where I might be heading. The modellers are a great help and have allowed me to see how I *might* be able to bridge the gap between potential early retiremen... See more
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Company details
Written by the company
We only have one aim, to give savers direct access to, or allow trustees, employers and providers to provide tools their pension savers need, to improve their retirement outcomes. Put simply, there are plenty of tools which tell pension savers if they take A each year, earn B returns, their pots will last for C years. For almost everyone these offer no practical help, as nearly everyone has other income or savings to put towards retirement. Included in these are State Pensions, Final Salary pensions, ISA savings and part time work for example. Some of these are taxable, some are not. Our tool is the only fully holistic planning tool that can be used directly by individuals without expert input. Our tool answers the one question pension savers actually want answered, "How do I use everything I have, to get the after tax income I want in retirement?". You can visit the Guiide website for much more detail and to try it for yourself.
Contact info
113 Milngavie Road, G61 2QJ, Glasgow, United Kingdom
- 07971885821
- contact@guiide.co.uk
- guiide.co.uk
4.7
Excellent
838 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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Reply from Guiide
Hi Jackie
Really pleased you found it easy to use, as thats the aim
Thanks again
Kevin
Can only use a retirement date
Questions about sites limitations were quickly and informatively communicated.
December 8, 2025
Reply from Guiide
Hi Andy
Sorry it didn't live up to your expectations. Lets look at each point
You can choose whatever retirement date you want between 55 and your state pension age.
You can take pension and stay in work, just add your work income into other income and if its enough to get what you want, it wont draw upon your pensions or savings at all.
On different outlooks, play around with it and print off as many reports as you want.
Not sure what you are looking to do in the first year with the much higher income wanted but if you email me, happy to work out the best way to model it and discuss anything else above.
Thanks
Kevin
Reply from Guiide
Hi Pete
Many thanks for the review and pleased you like it
Thanks again
Kevin
A great free tool to explore your…
A great free tool to explore your retirement numbers with.
December 4, 2025
Reply from Guiide
Hi Mark
Many thanks for the review and pleased you like it
Thanks again
Kevin
The basic product is pretty good
The basic product is pretty good, but there are extensions that would naturally fit into the customer journey here that are not provided - eg dealing with a parter, considering inheritance tax, dealing with tax thresholds etc. There is also a question of what does Guiide get out of my data that sits a little uncomfortably
November 30, 2025
Reply from Guiide
Hi Chris
Thanks for the review. To answer your questions.
We are adding partners income and so forth shortly. If you look at our blogs we explain the delays due to regulatory processes.
We project accurate income tax bands (will update for recent extension very shortly).
On Inheritance tax, if you are likely to have to pay inheritance tax you should really be considering taking financial advice given the potential costs involved of getting this wrong.
On data, firstly this seems an odd place to address any concerns on it but am happy to. We do not take personally identifiable data except your email so you can save a plan. We also have to know your date of birth, but feel free to use the first of the month if preferred. We don't ask for any policy details etc, just amounts for our calculations but they are not identifiable.
We send out the odd newsletter on partners, legislative updates, or site changes etc to our 20,000 registered users, we don't pass emails to anyone else for any marketing or other purposes.
Feel free to remove yourself from this list when you receive an email with a one click unsubscribe. We will remove you from it and remove any plan saved so all data is removed. Alternatively just email us and we will remove your plan and all data associated with us.
The latest blog also explains our commercial model which we hope addresses any further concerns.
Many thanks
Kevin
Really good free pension tool
Really good pension tool which enables you to stress test your retirement plans - and it is free!!
November 29, 2025
Unprompted review
Reply from Guiide
Hi Mark
Many thanks for taking the time to give us a review and pleased you like it.
Thanks again
Kevin
Excellent flexible tool
Excellent flexible tool. Allows long term planning capability.
Looking forward to reviewing Guiide DB.
November 25, 2025
Reply from Guiide
Hi Richard
Many thanks for the review and really pleased you like it.
Thanks again
Kevin
The best pension planning guide I have…
The best pension planning guide I have come across, easy to use and makes the correct assumptions. Better than any of my ‘expensive’ pension providers.
December 31, 2024
Reply from Guiide
Hi Nigel
Many thanks for the review and really pleased you like it. We are always happy to license a branded version to those pension providers!!
Thanks again
Kevin
Retirement clarity made easy
Retirement clarity made easy, simple easy to use system that lets you know if you are on track to meet your retirement goals, highly recommended particularly during times of economic chaos!
October 26, 2025
Reply from Guiide
Hi Tracy
Many thanks for the review and pleased you found it simple to use as that's the aim.
Thanks again
Kevin
It gave accurate figures
November 13, 2025
Reply from Guiide
Hi Matthew
Many thanks for the review and please you like it.
Thanks again
Kevin
Useful and simple
November 15, 2025
Reply from Guiide
Hi Steve
Many thanks for the review, pleased you find it simple to use as thats the aim
Thanks again
Kevin
Excellent and so easy to use
November 14, 2025
Reply from Guiide
Hi
Many thanks for the review and really pleased to hear easy to use as thats the aim
Thanks again
Kevin
Great free pension forecasting service…
Great free pension forecasting service which was really easy to use. Only thing I'd like to see to improve would be the ability to manually amend your expected yearly pension withdrawal rather than being restricted to just the 3 available options.
November 11, 2025
Reply from Guiide
Hi Adam
Thanks for the review
You can overwrite the income wanted, its just a guide you can type over them. If you have already saved a plan just press set all on the chart in the Wants page and you can overwrite the starting income etc.
Thanks
Kevin
Excellent simple free planner
Excellent simple free planner. Hopefully the spouse option will be added soon.
November 11, 2025
Unprompted review
Reply from Guiide
Hi
Many thanks for the review and yes working hard on getting approval for new upgrades.
Many thanks
Kevin
This is the best planner I have seen…
This is the best planner I have seen available to the public. Excellent.
November 3, 2025
Reply from Guiide
Hi Mark
Many thanks for the review and really pleased you like it
Thanks again
Kevin
Required alternative option for drawdown
I wanted to do a drawdown for a different amount of years and only gave me the option for life or until 75… no option to change it
November 3, 2025
Reply from Guiide
Hi
Not sure what you mean we always build you a drawdown plan for life. You can select increases on the income you want up to age 75 (as many people spend less in later years) or for life.
Thanks
Kevin
Guiide Review
An excellent tool to check if your pension will last. Thank you Guiide and keep up the good work.
November 3, 2025
Reply from Guiide
Hi Lyle
Many thanks for the review and really pleased you like it.
Thanks again
Kevin
Reply from Guiide
Hi Lisa
Many thanks for the review . Really pleased you like it and would recommend to others.
Thanks again
Kevin
Not able to include spouses state…
Not able to include spouses state pension or to plan as a couple with widows DB pension. Also not able to include expected lifespan of each member of a couple.
October 29, 2025
Reply from Guiide
Hi Paul
Thanks for the review as per our blogs and an update going out later today, we are working through regulatory requirements to be able to provide additional modelling, however this is taking much longer than expected. As an actuary I can also model life expectancy accurately, but there are regulatory restrictions in providing this outside of advice. We are doing our best within the realm of what is allowed under guidance.
Many thanks
Kevin
Great for free but would willingly pay…
Great for free but would willingly pay for more features
October 26, 2025
Reply from Guiide
Hi John
We want to keep it free for everyone and all features we add be accessible to all.
If that means we need to take a bit more time that's fine - retirement is a long time hopefully!!
Thanks
Kevin
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