Excelergy Excelergy Retirement Planner 2026/27

Legal & disclaimer

Last updated: 12 May 2026

Excelergy is an educational tool, not financial advice. Nothing on this site is a recommendation for you or assesses your personal circumstances. For decisions about your own pension, ISA, or retirement plan, speak to a financial adviser regulated by the Financial Conduct Authority (FCA).

1. Not financial advice

Excelergy provides general information about UK pension rules, taxation, ISAs, and retirement planning concepts through its calculator, FAQ, and blog. Everything on this site is educational. Nothing is personalised financial advice.

Excelergy does not:

If you need advice on a decision that affects your own pension, ISA, retirement plan, or tax position, speak to an adviser regulated by the FCA. You can find one through services like Unbiased or VouchedFor.

2. How the planner works

The Excelergy retirement planner is a deterministic year-by-year simulation. You enter assumptions about your age, pension and ISA balances, contributions, growth rates, and target retirement income. The planner projects how those numbers evolve under standard UK pension and tax rules.

Important properties of the model:

What's deliberately not modelled (to keep the tool understandable):

If any of these dominate your plan, the planner's output won't reflect your situation - speak to an adviser.

3. The blog

Blog posts explain UK pension and retirement concepts in plain English. They are educational reference material. They are not recommendations to take or avoid specific actions, do not assess your individual situation, and are not guaranteed to remain accurate as rules change.

Tax rules and pension regulations change. Posts state the rules as of the time of writing; future legislation may alter them. Notable upcoming changes (for example, pension IHT treatment from 6 April 2027) are flagged in the relevant posts.

4. Provider listings

The planner and FAQ list UK financial platforms (SIPP and ISA providers) for reference. These listings are not endorsements or personalised recommendations. They do not consider your situation. Compare any provider against your own needs and consult a regulated adviser before opening an account.

At time of writing, Excelergy has no commercial relationship with any provider listed. If that changes (for example, an affiliate arrangement), it will be clearly disclosed on the relevant pages and on this legal notice.

5. Your data

Without an account (free Excelergy): everything runs client-side. All scenario data, settings, and report history are stored in your browser's local storage. Nothing is sent to a server and nothing is shared with third parties. If you clear your browser data, switch browsers, or use a different device, your scenarios won't be there - use the Export button on the planner to back them up.

With an Excelergy Premium account: your profile data (shared values like salary and pension pot, plus each tool's saved blob) syncs to our server at api.excelergy.co.uk so it can follow you across devices. The server is hosted in the United Kingdom on a Plesk-managed host. Shared values and tool blobs are stored encrypted at rest with a per-user key. We hold your email address for sign-in and recovery; passwords are not stored (sign-in uses a one-time code sent to your email). No third-party processors handle your financial data today.

Retention and your rights: you can export or delete your profile at any time from the Account drawer. If your subscription ends, your data is retained read-only during a grace window shown in-app, then permanently deleted. You can request a full export or hard delete sooner by using the controls in the Account drawer or emailing the contact on the Help page.

See the FAQ entry on data storage for the full explanation.

6. External links

The site links to external websites (HMRC, gov.uk, financial provider websites, regulatory bodies, advice-finding services). Excelergy is not responsible for the content, accuracy, or availability of any external site.

7. Limitation of liability

This site is provided “as is” without warranty of any kind. To the extent permitted by law, Excelergy and its operators are not liable for any loss or damage arising from:

You use this site at your own risk and your own judgment.

8. Changes to this notice

We may update this notice as the site evolves - new features, new disclosures, changes to tax rules. Material updates will be flagged via the “Last updated” date at the top of this page. If you rely on the planner regularly, we recommend re-reading this notice occasionally.

9. Contact

For corrections, complaints, or questions about content on the site, please email info@excelergy.co.uk. We aim to respond within a reasonable timeframe but cannot guarantee specific response times.