How it works
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Add what you have
Workplace pensions, SIPPs, ISAs and your State Pension forecast, in one place.
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See the model
A transparent calculation engine models drawdown, income tax and the tax-free lump sum year by year.
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Ask in plain English
What if I retire at 60? What if I take the lump sum early? Portus answers against your figures and flags gaps, such as missing National Insurance years.
Principles
- The numbers come from the engine.
- Explanations are written by Claude, Anthropic's AI model, from figures the calculation engine has already produced. It explains the numbers; it doesn't invent them.
- Guidance, not advice.
- Portus models and explains. It does not recommend products or give regulated financial advice. For a personal recommendation, speak to an FCA-regulated adviser.
- Free help exists, and we point to it.
- Impartial, government-backed guidance is available from MoneyHelper.