Lifelong Lolly

Income and Outgo

What is your current annual pension income (before tax) and how much would be payable to a surviving spouse?

Recipient	Type	Amount	% to Spouse

What is your current annual rental income (after expenses, before tax)?

What is your current annual regular spending?

Assets

This tool considers four categories of assets; these are listed in the order they would be used.
Properties are not included; it is assumed properties would never be sold. For each category, what is the current value and how much is invested in equities?

Category		Value	% in Equities

Assumptions

What is the current annual cost of care per person?

By how much would your regular spending reduce when one person is:

needing care?

no longer alive?

Scenario inputs

Inflation rates

	Initial	Long-run

Equity returns

	Initial	Long-run

For how many years do the "initial" rates apply?

One-off spending

Amount (at current prices)

Year of spending

Life expectancy

	Good health (years)	Needing care (years)

Tax rates

Results

Your current regular spending is: £0

Your current post-tax income from pensions and rents is: £0

Therefore you are spending £0 each year LESS THAN your post-tax income from pensions and rents.

Projected asset position at second death

Taxable accounts	£0
ISAs	£0
SIPPs	£0
IHT-free assets	£0

The Lifelong Lolly Prognosticator

Income and Outgo

Assets

Assumptions

Scenario inputs

Results

Projected asset position at second death

Spending vs Income

Taxable accounts

ISAs

SIPPs

IHT-free assets