Features Roadmap

Currently, the tool is limited to allowing expenditure to be split with a partner in an intuitive way, however, it doesn't go as far as showing the potential outlook for the two people together. Some people treat family finances as a single unit, so it makes less sense to project everything for an individual. It could be nice to have an option like 'family unit' where both partners specify all information and the simulation treats the combination of people like a single person.

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For people interested in FI/RE, we currently display a possible retirement age but do not show the overall target. Also, we don't display current savings rate, which some people find interesting. This may not be simple as Advanced uses a full simulation as opposed to a simple SWR rate formula.

Currently, growth is assumed to be a fixed 5% on top of constant 2.5% inflation. This is OK for a general guide but some users may wish to customize this. For example, be more conservative with growth expectations.

Having children has a major impact on any family's financial plans / outlook. It could be nice if Advanced had some explicit support for adding existing or planned children to scenarios. The main impacts are: Mat/pat leave Increased expenditure over long term Child Benefit Exactly how STA could apply support for these is up for debate

Seemingly small changes such as cutting expenditure by 10% or retiring 2 years later/earlier can make a substantial difference to someone's outlook, particularly if they are far from retirement. It could be cool to automatically speculate on certain changes and display this on the dashboard, for example: "Tip: retiring 2 years later could boost your retirement income by X"

Currently, all simulations use the Saving Tool Advanced default strategy which saves and draws down income using a quite rigid (but sensible) logical approach. Some users may want to diverge from this, but more data is needed

This would allow users to plan for anticipated income changes over time

Allow users to specify pension allowance usage over the past 3 years and automatically apply the advantages of using pension carry-forward

The simulation could automatically redirect pension contribution inputs when pension tapering kicks in