Fintiq
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Personalised Monte Carlo Analysis
UK Pension
Lifecycle Report
Lifecycle Report
5,000 simulated retirement scenarios — your personal probability of financial security through retirement.
For illustrative purposes only. Not financial advice. Fintiq is not authorised or regulated by the FCA. Consult a qualified financial adviser before making pension or investment decisions. © 2026 Fintiq · fintiq.uk
Fintiq
UK Pension Lifecycle Report
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Executive Summary
Based on your inputs and 5,000 Monte Carlo simulations
AI Analysis — Personalised Retirement Assessment
Inputs & Assumptions Used in This Analysis
Fintiq
UK Pension Lifecycle Report
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Pension Pot Projection
Fan chart showing p10–p90 range of 5,000 simulated outcomes
Median (p50)
p25–p75 range
p10–p90 range
Retirement age
State Pension age
Fintiq
UK Pension Lifecycle Report
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Bridge Period Analysis
Gap between retirement and State Pension
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Bridge duration (years)
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Total cost (median)
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Annual Income Breakdown at Retirement
| Target retirement income | — |
| State Pension income | — |
| Gap drawn from pension pot | — |
| Required withdrawal rate | — |
Fintiq
UK Pension Lifecycle Report
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Sensitivity Analysis
How small changes affect your probability of success
| Scenario | Change | Success Rate | vs Base |
|---|
Each scenario re-runs 1,000 simulations with one variable changed. All other inputs held constant at the values you entered.
Fintiq
UK Pension Lifecycle Report
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Methodology
This report uses Monte Carlo simulation to model 5,000 independent retirement scenarios. Each simulation draws annual investment returns from a log-normal distribution parameterised by your chosen expected return and volatility. The model runs three phases: (1) Accumulation — contributions and investment growth build the pot until retirement; (2) Bridge — the period between retirement and State Pension start age where full income is drawn with no State Pension supplement; (3) Decumulation — withdrawals reduce the pot, partially offset by State Pension income, until life expectancy. A simulation "fails" if the pot reaches zero before life expectancy. Success rate = % of 5,000 simulations where the pot survives.