Most cashflow tools end at the year. Ours projects your life - income, outgoings, mortgages, retirement, milestones - across decades, so you can see the soft spots before you get there. UK rules baked in: state pension, tax bands, mortgage rates, pension freedoms.
A year-by-year forward view of every income, every cost, every withdrawal, every tax - modelled with your actual numbers, not generic assumptions.
Zoom out for the decade-shaped picture. Zoom in for the next 90 days. Both read from the same engine, so the long view and the near view never disagree.
Salary, dividends, rental, pensions, drawdown, state pension - all tracked across time.
From your uploaded statements (Phase 1) or Open Banking live feed (Phase 2). Categorised, projected. Edit any line, the projection updates.
Rate changes, remortgages, overpayments - modelled across the full term.
When can you draw, how much, in what order - with tax bands respected each year.
Children, schooling, university, weddings, gifts, downsizing, retirement.
Each year recomputed with current bands and your specific income mix.
Cashflow only matters when it tells you something. Sonuswealth flags the years your plan is fragile - when income dips, tax jumps, or your runway thins - so you can act early rather than late.
Cashflow tools that aren't UK-native fall apart when they meet pension freedoms, tapered allowances, ISA limits, or state-pension timing. Sonuswealth knows the rules - and re-knows them every time HMT changes them.
Modelled against your actual NI record and SPA (State Pension Age). Triple-lock effects projected forward.
Drawdown rules, 25% tax-free, MPAA triggers, sequencing across multiple pots.
Personal Allowance taper at £100k, additional-rate at £125k, dividend allowance, savings interest, ISA limit.
Pension contribution allowance scaled against your adjusted income - flagged when you'd cross it.
SVR fallback, fix-window timing, overpayment limits, early-repayment charges, remortgage windows.
Annual limit usage, LISA bonus before 50, LISA penalty for non-qualifying withdrawal, transfers in.
A worked example for a fictional household - placeholder figures, real UK rules. Sonuswealth produces this view in seconds from your connected accounts; the soft spot would normally take weeks of work in Excel.
Most Britons have a vague sense of "I'll be fine" or "I'll never retire" - and very little in between. Sonuswealth turns the vague sense into a year-by-year shape you can act on.
Current State Pension Age, rising to 67 from 2026 and 68 from 2046. Your plan needs to know both.
GOV.UK - State PensionUK adults who say they're "very confident" their savings will last in retirement.
Money & Pensions ServiceUK retirees making pension drawdown decisions each year - most without modelled support.
FCA Retirement Income Market dataMedian private pension pot at retirement - supports £4k≈£5k/year of safe drawdown income.
ONS - Wealth & Assets SurveyMaya, 44, marketing director. Bonus pushes her into the 45% band most years and triggers the tapered annual allowance at year-end. ISA underused. No estate plan. Sonuswealth modelled the whole 30-year shape - and surfaced four levers she'd been missing.
Cashflow flagged tapered-AA risk three months before Maya's bonus hit, ran the salary-sacrifice maths against pension annual-allowance utilisation, and surfaced unused ISA + two Junior ISA wrappers. Three signed forms, one afternoon. Compounded over 20 years: £304,000 extra at retirement, in today's money. The 30-year projection updated live as each change landed.
Illustrative composite household. Engine, rules, allowances current to the 2026/27 UK tax year. Information and guidance only - Maya's restructure needed her accountant's sign-off; yours will too.
“I want to know when I can stop working — not next year, in 1986. The whole shape.”
- the brief, founder, 51