Pension. ISAs. Cash. Three jobs, not one pile.
Your pension, ISAs and cash aren't one number — they're three different tools, unlocking at three different times. See them separately, see where each is actually headed, and see the exact year the market starts doing more of the work than you do. Every number's shown. Every assumption's editable. It's your plan, not our advice.
Independent, properly
No bank standing behind this, no product we're steering you toward. Just your numbers, worked through honestly.
Locked down
Bank-grade encryption. We don't sell your data — we're not that kind of free.
Free. Actually free.
Your full household picture: three pots, one plan, and the year they cross over. No card, no catch.
Assumptions7% investments · 4.5% cash — yours to change
Hit "Create your plan" above to see your results.
They behave completely differently — cash is steady and lower-growth, stocks & shares are invested and grow faster on average but move around more along the way. Lumping them into one number would hide which one is actually doing the work in your forecast.
Check a recent payslip or your pension provider's online portal — it's usually shown as a percentage of salary. If you leave it blank, your pension is shown growing from today's value alone, with no contribution added, and that's stated plainly in the results.
Wherever you tell it to — pick one pot in the bonus section of the form. It's added once, at the end of each year, so it doesn't earn any growth in the year it lands, only from the year after.
The Wodge is a modelling tool, not financial advice. It shows the consequences of your own numbers under stated assumptions — it doesn't tell you what to do, and it never compares you to anyone else.
By default, pension and ISA stocks & shares grow at 7% a year; ISA cash and cash savings grow at 4.5% a year — both nominal (not inflation-adjusted), both stated openly, with sources, on the methodology page. Open the assumptions section of the form to use your own rates instead.
This tool is built and maintained by The Wodge. It uses the same formulas as everywhere else on the site, starting from the same default growth assumptions — nothing here is tuned to look more impressive than your numbers actually are. You can override either rate for this forecast in the assumptions section of the form, and whatever you choose is stated openly next to the year-by-year table.
The defaults are stated openly, with sources, on our methodology page. You can read how we handle your data — nothing saved, nothing sent — on the security page.