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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Review summary
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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
Company replied
Everything needed to see a clear picture of the future in an easily understandable flow with quick links to .gov to find all needed information to input ina jiffy. The site working well and logically... See more
Company replied
Finally a really good pension and drawdown planner. Unlike many others, Guiide takes a holistic approach to all my finances including pensions, ISAs and other savings and then allows me to tweak num... 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
831 reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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Really useful tool
Really useful tool. Would be nice to be able to select a part of the total tax free amount as an up-front lump sum. Unfortunately its currently all or nothing (unless I missed something)
January 31, 2026
Reply from Guiide
Hi Jeremy
Many thanks for the review. If you want to do this, lets say your tax free cash lump sum is £100K and you want half. Then just add £50K back in as another lumps sum at retirement date. This will go straight into savings, its not the same but will give you a very similar results as there is no income tax when drawing down savings.
Thanks
Kevin
Easypeasy
Simple, clear and instructive. A really well thought out model that strips away the technicalities of pensions and focuses on what matters.
February 11, 2026
Reply from Guiide
Hi Eamonn
Many thanks for the review, hearing its simple, easy and clear is what we are aiming for.
Thanks again
Kevin
Reply from Guiide
Hi Mike
Many thanks for the review, love to hear easy to use as thats the aim
Thanks again
Kevin
Works well easy to navigate
Works well easy to input data, self explanatory and to navigate.
February 9, 2026
Reply from Guiide
Hi Chris
Many thanks for the review, pleased you found it simple to use as thats the aim
Kevin
Reply from Guiide
Hi David
Many thanks for the review and pleased you like it
Thanks again
Kevin
Just the tool I was looking for.........
I saw Diane Sullivan talking about it on her You Tube channel. It's a great way to sanity check and stress test your own pension income calculations. Very simple input requirements and very easy to understand, but clearly detailed, output. It's actually given me the confidence to give serious thought to retiring early.
February 7, 2026
Reply from Guiide
Hi
Many thanks for the review. Dianne's channel is great and pleased she did a video on us. We plan to link to a few of her videos for education purposes on our site soon.
That's great to hear that its helped you have more confidence in retirement. We hear that a lot. "I just need something that helps me understand that things should be ok". So its what we try and provide.
Thanks again
Kevin
Great free product
I’ve been looking for a free cash flow ladder and found this site. Really easy to use and self explanatory. Would recommend.
February 6, 2026
Reply from Guiide
Hi
Many thanks for the review and pleased you would recommend to others
Thanks again
Kevin
Retirement Calculator Usefulness
The retirement calculator gives a useful basic overview of the longevity of your funds but lacks any real detail. Subsequent interactivity with the data and figures produced also limited.
February 6, 2026
Reply from Guiide
Hi
Many thanks for your review and sorry it disappointed. You can interact with the data in the Design page charts (both income and pots). It breaks down every element of the income parts and tax in there.
Many thanks
Kevin
Very Useful and Helpful
I still need to fine tune my results but early indications are that this is such a useful tool for amalgamating your finances and results in one place.
February 5, 2026
Reply from Guiide
Hi
Many thanks for the review and really pleased you like it
Thanks again
Kevin
The best calculator by far
The best calculator by far, allowing different pension pots to kick in at future dates. Hugely helpful to me in planning my retirement date
February 5, 2026
Unprompted review
Reply from Guiide
HI Graham
Many thanks for the review, really pleased you like it
Thanks again
Kevin
Really neat financial planning tool…
Really neat financial planning tool which can be used to create an initial retirement plan with graphical representations.
Best of all it’s free and can be updated/adjusted for different scenarios, giving the most tax efficient method of drawdown.
Something which is important to me, is it only requires basic information, like sex, current and retirement age. It does require an email address, but only if you want to save the plan and download a copy.
It even does some stress testing, considers sequencing risk, and gives options to resolve, which is all pretty neat. About the only problem I have with it, is the assumed level of inflation of 2.5%, which can’t be adjusted.
Highly recommend.
February 4, 2026
Reply from Guiide
Hi
Many thanks for the thorough review and pleased you like it.
Thanks again
Kevin
Very simple and straightforward
February 3, 2026
Reply from Guiide
Hi Simon
Many thanks for the review and pleased you found it simple to use as thats the aim
Kevin
Reply from Guiide
Hi
Many thanks for the review and pleased you like it
Kevin
It’s great to have this helpful tool…
It’s great to have this helpful tool for free! It wasn’t obvious how I could regenerate my plan based on a different starting income but I did get a very prompt response to my online query that sorted the issue.
January 31, 2026
Reply from Guiide
Hi Sue
Thanks for the review, yes we need to make that clearer and was happy to help with your query.
Many thanks
Kevin
The user interface and workflow were…
The user interface and workflow were intuitive. I wanted to be able to have more control over how long I wanted the income to grow. 75 or life was too limiting
February 2, 2026
Reply from Guiide
Hi
Many thanks for the review pleased you like other than the income point. We try to keep it simple so the three shapes, flat, increasing for life, increasing to 75 plus the ability to add some extra for a number of initial years usually provides everything needed simply. However if you want a more bespoke income, you can always change any year in the chart individually if wanted.
Many thanks
Kevin
One of the best free tools out there.
February 1, 2026
Reply from Guiide
Hi
Many thanks for the review and pleased you like it.
Thanks again
Kevin
Reply from Guiide
Hi Laurence
Thanks for the review really pleased it is easy to use as thats the aim
Thanks again
Kevin
Reply from Guiide
Hi Anthony
Thanks for the feedback and really pleased you like it
Thanks again
Kevin
Very useful and easy to use
January 13, 2026
Reply from Guiide
Hi Julian
Many thanks for the review and pleased you found it easy to use as that's the aim.
Thanks again
Kevin
Excellent tool for retirement and…
Excellent tool for retirement and pension fund planning. A few more customization options and it would be perfect. So a 9 out of 10 for me.
January 13, 2026
Reply from Guiide
Hi Rob
Thanks for the review and pleased you like it
Kevin
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