👥 Couples

Couples combines two profiles into one joint picture: shared net worth, joint retirement readiness, and a survivor check, while each person is still taxed correctly as an individual.

What the walkthrough covers

The Couples tab brings two profiles together into one household picture. Create a profile for each partner, select the two of you, and it combines your net worth, income and spending into a joint view, while still calculating each person's tax, pensions and allowances individually, which is how UK tax actually works. It answers the joint questions a single plan can't: does our combined money last, what happens to the survivor if one of us dies first, and how do our State Pensions and retirement ages interact? It even runs a joint stress test, putting both plans through the same simulated markets at the same time to see how often the household's money lasts. It also spots the tax opportunities a couple has (marriage allowance, routing contributions to the lower earner, unused allowances), and an opt-in what-if draws retirement income as one household, filling both partners' allowances and basic-rate bands cheapest pound first, with the tax saved shown against the uncoordinated plan.