Plan the money for the life you want.
Hundred Summers projects your income, pensions, property and savings for every year ahead, on the UK’s own tax rules, and lets you try a decision before you make it.
Why Hundred Summers exists
A lifetime view, not a monthly budget
Budgeting asks: can I afford this month? Lifetime asset management asks a bigger question: am I building the life I want?
Will the balance last until payday?
Pensions are someone else's problem.
Big decisions made on gut feel.
Will my money outlast me?
Pensions, property and savings in one picture.
Big decisions tested before they're made.
How it works
See it in action
A narrated one-minute tour with demo data: enter your facts, read your lifetime cashflow, including the year-by-year money map, then drag the What-If sliders to test retiring five years early. Sound on.
Explore an example plan
Everyone's financial picture is different. Pick the profile closest to yours and explore a fully worked plan, with income, pensions, property, tax and projections all filled in. No signup needed.
What it covers
Your own numbers, on UK rules, from this year's tax to whether a couple's money lasts to 95.
About us
Hundred Summers exists to democratise financial education. Our mission is to help people understand their own financial future, so the decisions that shape it are informed ones. That doesn't compete with financial advice; it complements it. An informed client asks sharper questions, understands the answers, and gets far more value from every conversation with an adviser.
The UK faces a quiet financial crisis: whole generations with little idea what their financial future holds. For some, seeing it clearly means re-thinking affordability, and the earlier that's known, the better. But for many, the lifetime view brings good news: looked at across all your assets, not just this month's payslip, you can afford the future and achieve your goals.
Your figures stay on your device
Your salary, pensions and net worth are stored only on your own device. They are never uploaded, so there's no server for them to leak from. Our systems hold just your email and subscription status. Backups are files you keep, protected with AES-256 encryption, either automatically with a key tied to your account, or with a passphrase only you know if you set one. That is how Hundred Summers is built, not just a policy.
The one exception is yours to choose: when you ask the AI Copilot a question, the plan summary needed to answer it is processed securely and is not used to train AI models. Never use it, and nothing ever leaves your device. Visits are counted with cookie-free, aggregate analytics (no advertising trackers), and the app records anonymous usage counts, never your figures.
Pricing
✓Net worth, goals & lifetime cashflow
✓Savings, pensions, expenses & property views
✓Encrypted file backups (AES-256)
✓The guided walkthrough
✓What-if scenarios & stress testing
✓Tax, pensions, inheritance & longevity
✓Couples planning & survivor check
✓Risk profiling & adviser-ready reports
✓AI Copilot: analyses your plan, never advice
✓AI Copilot, with a trial-use allowance
✓Adviser portal, unlimited clients
✓Clients share plans end-to-end encrypted
✓Only your device can read them
✓Clients connect free & revoke any time
✓Projection API: connect your own systems
Common questions
Is Hundred Summers regulated financial advice?
No. Hundred Summers is an educational tool: it helps you understand your own finances using figures and assumptions you provide, and it never recommends products or courses of action. Projections are illustrations, not predictions. For advice tailored to your circumstances, speak to an FCA-regulated financial adviser; free impartial guidance is available from MoneyHelper.
Where is my financial data stored?
On your own device. Plan data lives in your browser and in backup files you choose; the app makes no third-party network requests with financial data. Backup files are encrypted by default (a Settings switch can turn this off); adviser sharing is always end-to-end encrypted, so the server only ever holds ciphertext it cannot read.
How much does Hundred Summers cost?
The Free tier costs nothing and covers data entry, overview, lifetime cashflow, savings, expenses and property. Premium is £4.99 a month, or £49.99 a year (two months free), and adds scenarios, stress testing, tax, pension income, inheritance, longevity, couples planning, risk profiling, reports and the AI Copilot. The Adviser tier is free for a two-month launch-access period, then £39 a month per adviser by arrangement, and includes access to the projection API (a proof of concept; keys on request), so an adviser's own systems can run plans through the same engine.
Does Hundred Summers cover UK tax and pension rules?
Yes. Hundred Summers models UK income tax for rest-of-UK and Scottish taxpayers, National Insurance, capital gains tax, the personal-allowance taper, the High Income Child Benefit Charge, pension annual allowance with taper and carry-forward, the MPAA, tax-free cash, State Pension with triple lock, and inheritance tax including the nil-rate bands, gifts and taper. Every assumption is published on the in-app Methodology page.
What is the stress test?
A 500-path Monte Carlo simulation of your whole plan. Equity, bond and property returns are drawn from a correlated model with fat-tailed shocks, and inflation follows a persistent process that feeds spending and State Pension uprating. The model is validated in the test suite against market history from 1928 to 2023, and results are reported overall and per year, split between essential and full spending.
Can I share my plan with a financial adviser?
Yes. You can share your plan with your adviser end-to-end encrypted: it is encrypted on your device to your adviser's key, and only their device can read it. You can stop sharing at any time. Advisers can send proposed changes back, which you review as an itemised diff and explicitly accept or reject. Nothing changes your plan without your action.