Guidance only

How long will your money last?

A calmer way to picture life after work. See a personal safe-to-spend range, built from your own numbers — and how far your savings could stretch through the years ahead.

Guidance only — an illustrative range to explore, not financial advice or a recommendation.

Takes about 4 minutes · No sign-up to see your first range · Free
Good morning
Margaret
M
Your safe-to-spend range
£2,680to£3,790/mo
An illustrative range to explore — not a recommendation. Built from your figures and our assumptions.
CautiousMore comfortable
Where it could come from
State Pension£958
Work pension£1,120
Pension pot£1,200
ISA & savings£720
Try a what-if: a warmer home →
Today
What-if
My details
Gentle reminder · soon
It's been a while — has your pot or spending changed? Take a look.
A home what-if · soon
Worried about rising energy bills? See if a warmer home fits your range.
Why this matters

Millions are locked out of help — and underspending a life they've paid for.

Most retirees face the hardest financial decisions of their lives with no guidance at all. The money is often there; the confidence and clarity aren't.

70%
of pension pots are accessed without any regulated advice — most people decide alone
FCA Retirement Income Market Data, 2024/25
65%
say they'd spend more on improving their quality of life if they felt more financially confident
Trellis survey, 2026 (n=196)
64%
of owner-occupied homes are rated EPC band D or below — and older homeowners are the most likely to live in them
English Housing Survey
£1.5tn
is being drawn down by 8 million UK retirees — with little help making it last
FCA · TPR · PPI, 2024/25
"I likely could afford the trips, but it is an emotional problem, not a financial one."
Fiona, 63 · Trellis interview
"My central heating packed up 5 years ago and I daren't spend my savings on getting it replaced."
Vicky · Trellis survey
"I'd like to install solar panels and a new boiler, but I've delayed — I don't know if I can afford it."
Carol · Trellis survey
Net zero
starts at home
Older homeowners hold the keys to some of the UK's least efficient homes — but the barrier to a warmer, greener home is rarely money or awareness. It's the confidence to know it's affordable, and clarity on where to start. That's what Trellis is built to unlock.
For information only — not financial advice.
What you can do

Far more than a number. A place to understand it all.

See whether you're on track, explore the big decisions, and let Trellis keep your picture current — at your own pace.

Are you on track?

See how long your money lasts — and how your spending compares to an illustrative range

Trellis maps your savings and income across the years ahead, and shows your spending against what could be sustainable — so you can see whether you're being too cautious, or stretching too far.

  • A clear view of your money through the decades ahead
  • Your spending shown against a sustainable range
  • Always a range to explore — never a recommendation
Age 80
Optimistic£3,790/mo
Current spend£3,240/mo
Cautious£2,680/mo
Pot balance£312k
£600k £300k £0 65 82 96
Optimistic
Current spend
Cautious
A gentle decline is healthy by design — you're using your savings across your life, not leaving a large unused pot behind.
What-ifsComing soon

Try the big decisions before you make them

Soon you'll be able to explore the choices on your mind — each one gently reshaping your range — starting with a warmer, cheaper-to-run home.

Example scenarios, shown for illustration — not predictions, recommendations, or guaranteed savings. Your own figures, costs and grants will differ.

A growing library
A warmer, cheaper-to-run home
Energy saving
~£1,100/yr
Retrofit cost
£12,500
Grants available
up to £7,500
Payback
~5 years
EPC rating
D → B · supports home value
With grants applied, your range barely moves now — and a warmer, greener home costs ~£1,100 less a year to run, with a lower carbon footprint.
Work one year longer
Range
+£190/mo
Money lasts to
age 99
Extra pension contributions
+£8,400 to your pot
One more year working could lift your comfortable range by £190 a month, for life.
Help a grandchild onto the ladder
Gift
£20,000
Range
−£140/mo
Money still lasts to
age 94 — comfortably
A £20,000 gift trims your range by £140/mo — and your money still lasts well into your nineties.
Downsize the home
Released
+£140,000
Range
+£310/mo
Plus
lower bills & upkeep
Releasing £140,000 could lift your range by £310/mo — with less to heat and maintain.
It stays with you

Your safe-to-spend updates every month

As markets move and your figures change, Trellis refreshes your range — and flags what's worth a moment's thought. Always a range to explore, never a prompt to act.

trellisUpdated today
Your safe-to-spend this month
£2,680–£3,790/mo
▲ £80/mo this month
Your pot grew, so your comfortable range nudged up — still lasting well past 95.
A what-if you were watchingA warmer-home scenario may now be worth exploring
Worth exploring

Soon, Trellis will look ahead for you too — helpful prompts at the moments that matter Coming soon

Worth checking
A planned withdrawal could take you toward the higher-rate tax band. We don't know your full tax position — just something to be aware of.
Policy change
A grant scheme just widened — you may wish to check whether you could be eligible for help with a warmer home.
Spending check
Your monthly spending has crept up. See the effect on your range.
In the news
Energy prices are shifting — worth checking if you could save.
Tax year ending
A few weeks left in the tax year — worth reviewing before April?
Connect your accounts when you're ready. Link them for an automatic monthly spending check — or keep typing it in. Entirely your choice.
How it works

Clarity in three gentle steps.

No jargon, no commitment — just plain questions at your own pace.

1

Tell us what you have

Pensions, savings, the State Pension, your home. You type it in yourself, at your own pace — that's all it takes.

2
£2,680–£3,790 A RANGE TO EXPLORE

See your safe-to-spend range

A calm monthly range, built from your numbers and shown straight away. Free.

3

Explore your what-ifs

Try the decisions on your mind and watch your range shift — then revisit any time.

What-ifs · coming soon

Whatever's on your mind, there's a what-if for it.

From the everyday to the once-in-a-lifetime — a growing library of what-ifs to explore, with the energy of your home among the first.

Home & energy

12 what-ifs
  • A warmer, cheaper-to-run home
  • Solar & battery
  • Downsize or move
  • Adaptations to age in place

Family & giving

9 what-ifs
  • Help a grandchild onto the ladder
  • Gift while you're here to see it
  • Support a partner
  • Leave a legacy

Work & retiring

8 what-ifs
  • Retire a year early
  • Work one year longer
  • Phase into part-time
  • Defer the State Pension

Health & care

10 what-ifs
  • Plan for future care costs
  • Support a family member
  • Build a "what if" buffer
  • Long-term care funding

Spending & lifestyle

16 what-ifs
  • Spend more in the early years
  • A once-in-a-lifetime trip
  • A new car or caravan
  • Treat the family

Home & energy

12 what-ifs
  • A warmer, cheaper-to-run home
  • Solar & battery
  • Downsize or move
  • Adaptations to age in place

Family & giving

9 what-ifs
  • Help a grandchild onto the ladder
  • Gift while you're here to see it
  • Support a partner
  • Leave a legacy

Work & retiring

8 what-ifs
  • Retire a year early
  • Work one year longer
  • Phase into part-time
  • Defer the State Pension

Health & care

10 what-ifs
  • Plan for future care costs
  • Support a family member
  • Build a "what if" buffer
  • Long-term care funding

Spending & lifestyle

16 what-ifs
  • Spend more in the early years
  • A once-in-a-lifetime trip
  • A new car or caravan
  • Treat the family
Straight answers

No catch. Here's exactly how it works.

You're right to ask. Here's how we make money, what we do with your information, and what we'll never do.

How does Trellis make money?
Trellis is free to start, and the core safe-to-spend range always stays free. Later, you'll be able to choose an optional paid plan for deeper features — like saving and comparing what-ifs, or richer energy and grant tools. We don't earn commission on your money, and we don't sell your data. No one pays us to steer your decisions — our job is simply to help you see clearly.
Free core, alwaysOptional paid plansNo commission
What do you do with my information?
Your figures are used for one thing: to work out your safe-to-spend and the what-ifs you explore. We do not sell your data or share it with advertisers. You type your numbers in yourself — there's no bank linking required to get started. If you ever choose to connect accounts for automatic updates, that's entirely your decision, and you can disconnect any time.
Not soldNo bank linking requiredYou stay in control
Is this financial advice?
No — and we're careful about this. Trellis offers guidance, not regulated financial advice. We help you understand your own numbers and show a range to explore, but we never tell you what to do or recommend specific products. For decisions that need regulated advice, we'll always suggest speaking to a qualified adviser.
Guidance, not adviceNo product recommendationsAlways a range
What is "safe-to-spend" — are you telling me to withdraw it?
Your safe-to-spend is an illustrative range, worked out from the figures you enter and a set of assumptions — a way to explore what your money could support, not a single "correct" number. It is not a recommendation that this is what you should spend, and it is not a recommendation to access your pension, enter drawdown, take tax-free cash, or withdraw, transfer or move any money. When we show where your income could come from, we're illustrating the picture — not telling you to draw from any particular pot. Decisions about pensions, tax, investments or large purchases are yours, and for those we'll always suggest speaking to a qualified adviser.
Illustrative rangeNot a recommendationYou decide
Why does Trellis exist?
Most people reaching retirement can't get affordable guidance — regulated advice is expensive, and millions are left to make irreversible decisions alone. Trellis was built to close that gap: to give people a clear, calm picture of their money so they can enjoy what they've worked for, with confidence.

There's a second reason too. The generation now retiring owns much of the UK's housing — including many of its least energy-efficient homes. The upfront cost of a warmer, cheaper-to-run home often feels out of reach, even when the money is there and grants would cover much of it. The barrier is rarely awareness — it's the confidence to know it's affordable and the clarity on where to start. By helping people see what they can safely spend, Trellis aims to unlock the confidence to invest in greener homes — cutting energy bills, improving comfort in later life, and supporting the UK's path to net zero.

We only do well if you feel more in control — never by selling you something.
Closing the advice gapWarmer, greener homesSupporting net zero

How long will your money last?
Let's find your range.

Four minutes. No account, no bank, no commitment — just a calmer way to picture the years ahead.

Takes about 4 minutes · No sign-up to see your first range · Free