A comprehensive retirement planning tool that ingests your actual salary, pension schemes (DB, DC, SIPP, AVC), bonuses, and tax jurisdiction rules to automatically calculate optimal contribution levels, project retirement income under multiple inflation/return scenarios, and flag tax-saving opportunities like bringing adjusted net income below key thresholds. The tool would provide actionable recommendations—such as exactly how much to contribute via personal pension when salary sacrifice isn't available for bonuses—and model upcoming regulatory changes like the 2027 UK pension inheritance tax inclusion.

Major pension tax rule changes (UK 2027 IHT inclusion of pensions, evolving annual allowance rules) are creating urgent demand for scenario-planning tools. Meanwhile, the FIRE movement continues to grow, and younger savers are increasingly seeking precise, personalized projections rather than generic rules of thumb like the '80% of pre-retirement income' guideline.