Most of us are taught to think about money one payslip at a time. Hundred Summers teaches you to see the whole picture — your income, pensions, property and savings across your entire life — and to test the decisions that shape it. Using your own numbers. In plain English.
Budgeting asks: can I afford this month? Lifetime asset management asks a bigger question: am I building the life I want? The difference changes everything about how you see your money.
A narrated one-minute tour with demo data: enter your facts, read your lifetime cashflow — including the year-by-year money map — then drag the What-If sliders to test retiring five years early. 🔊 Sound on.
Everyone's financial picture is different. Pick the profile closest to yours and explore a fully worked plan — income, pensions, property, tax and projections all filled in. No signup needed.
One tool, your own numbers, every question answered — from this year's tax to whether a couple's money lasts to 95.
Hundred Summers exists to democratise financial education. Our mission is to help people understand their own financial future, so the decisions that shape it are informed ones. That doesn't compete with financial advice — it complements it. An informed client asks sharper questions, understands the answers, and gets far more value from every conversation with an adviser.
The UK faces a quiet financial crisis: whole generations with little idea what their financial future holds. For some, seeing it clearly means re-thinking affordability — and the earlier that's known, the better. But for many, the lifetime view brings good news: looked at across all your assets, not just this month's payslip, you can afford the future and achieve your goals.
Your salary, pensions and net worth are stored only on your own device — they are never uploaded, so there's no server for them to leak from. Our systems hold just your email and subscription status. Backups are files you keep, protected with AES-256 encryption — automatically with a key tied to your account, or with a passphrase only you know if you set one. That's not a privacy policy; it's how Hundred Summers is built.
The one exception is yours to choose: when you ask the AI Copilot a question, the plan summary needed to answer it is processed securely and is not used to train AI models. Never use it, and nothing ever leaves your device. Visits are counted with cookie-free, aggregate analytics (no advertising trackers), and the app records anonymous, navigation-only usage events — never your figures.
No sign-up, no data collected — the calculators run entirely in your browser, powered by the same engine as the full plan. Education, not advice.
Prefer reading? Plain-English guides, the tab-by-tab app guide, and every assumption behind the numbers in the published methodology.
No. Hundred Summers is an educational tool: it helps you understand your own finances using figures and assumptions you provide, and it never recommends products or courses of action. Projections are illustrations, not predictions. For advice tailored to your circumstances, speak to an FCA-regulated financial adviser; free impartial guidance is available from MoneyHelper.
On your own device. Plan data lives in your browser and in backup files you choose; the app makes no third-party network requests with financial data. Backup files are encrypted by default (a Settings switch can turn this off); adviser sharing is always end-to-end encrypted, so the server only ever holds ciphertext it cannot read.
The Free tier costs nothing and covers data entry, overview, lifetime cashflow, savings, expenses and property. Premium is £4.99 a month and adds scenarios, stress testing, tax, pension income, inheritance, longevity, couples planning, risk profiling, reports and the AI Copilot. The Adviser tier is free for a two-month launch-access period, then £39 a month per adviser by arrangement.
Yes. Hundred Summers models UK income tax for rest-of-UK and Scottish taxpayers, National Insurance, capital gains tax, the personal-allowance taper, the High Income Child Benefit Charge, pension annual allowance with taper and carry-forward, the MPAA, tax-free cash, State Pension with triple lock, and inheritance tax including the nil-rate bands, gifts and taper. Every assumption is published on the in-app Methodology page.
A 500-path Monte Carlo simulation of your whole plan. Equity, bond and property returns are drawn from a correlated model with fat-tailed shocks, and inflation follows a persistent process that feeds spending and State Pension uprating. The model is validated in the test suite against market history from 1928 to 2023, and results are reported overall and per year, split between essential and full spending.
Yes. You can share your plan with your adviser end-to-end encrypted: it is encrypted on your device to your adviser's key, and only their device can read it. You can stop sharing at any time. Advisers can send proposed changes back, which you review as an itemised diff and explicitly accept or reject — nothing changes your plan without your action.