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. OverviewThe Overview is your dashboard: headline net worth, projected wealth at retirement, whether the plan is on track, and how your wealth is com…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 matt…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 l…Read →🎯14. Risk — ATR & CFLThe Risk tab has three sections: Attitude to Risk (how much risk you're comfortable with), Capacity for Loss (how much your plan can actuall…Read →📄15. ReportThe Report tab holds the projections table, the master chart, and the exports. The master chart overlays any of the tool's datasets on one c…Read →📖16. MethodologyMethodology is the honest footnotes: every tax rule, growth assumption, data source and limitation behind the numbers.…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.…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 →

Hundred Summers. Education, not regulated financial advice; projections and results are illustrations, not guarantees.

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