The Hundred Summers app guide
A tab-by-tab walkthrough of the app — what each part is for, the concept behind it, and how to put your own numbers in. Every chapter has a short narrated video. The same guide lives inside the app under Help, where each chapter can open the tab it describes.
👋1. WelcomeWelcome. Hundred Summers helps you understand your own finances and make confident, data-based decisions about your future. This walkthrough…Read →📊2. Net worthNet worth is your dashboard: headline net worth today and at retirement, and how your wealth grows and is made up over your lifetime. Your g…Read →💷3. CashflowCashflow shows income versus spending for every year of the plan: salary and bonus while working, then pensions, drawdown and state pension …Read →💰4. Savings & InvestmentsHere you see each savings and investment account, its growth assumption, and its tax wrapper: ISA, GIA (taxable), or cash. The wrapper matte…Read →🧾5. ExpensesExpenses drive everything the plan has to fund. You can enter simple annual totals or itemise by category, and set separate figures for work…Read →🏡6. PropertyProperty tracks your home and any other property alongside their mortgages, reading the loan details straight from your liabilities so nothi…Read →⚡7. TaxThe Tax tab shows your current position and the levers that change it: salary sacrifice, the pension annual allowance, ISA-versus-pension co…Read →🕰️8. LongevityLongevity estimates life expectancy from health and lifestyle inputs, then sets the plan's length and its three retirement spending phases: …Read →📈9. Pension IncomeThis tab is about turning pension pots into income: the 25% tax-free lump sum, flexible drawdown, an annuity, or a blend.…Read →🏛️10. InheritanceThe Inheritance tab estimates what Inheritance Tax your estate might owe, applying the nil-rate band and residence nil-rate band.…Read →👥11. CouplesCouples combines two profiles into one joint picture: shared net worth, joint retirement readiness, and a survivor check, while each person …Read →🎛️12. What IfWhat If is a live explorer: drag the retirement age, toggle goals like salary sacrifice or downsizing, and watch the plan redraw. Save named…Read →🎲13. Stress TestThe Stress Test runs a Monte Carlo simulation, hundreds of randomised market paths, reporting a success rate and a fan of outcomes, plus lif…Read →🎯14. Risk: ATR & CFLThe Risk tab opens with your investment portfolio and how much market risk it carries overall, then has three sections: Attitude to Risk (ho…Read →📈15. Master chartThe master chart overlays any of the tool's datasets on one canvas (net worth, inflows, outgoings, tax, accounts, estate) with saved views t…Read →📖16. MethodologyMethodology is the honest footnotes: every tax rule, growth assumption, data source and limitation behind the numbers, and the plan assumpti…Read →✦17. AI Copilot (Premium)Premium includes an AI Copilot that analyses your plan and answers questions about it in plain English: always analysis, never advice. When …Read →✅18. That's the tourThat's the tour. Now make it yours: load the demo to explore freely, or create your own profile and enter your real figures. Once your numbe…Read →