Plain-English money

Short, practical explainers on the things your plan depends on — allowances, assumptions and how to read the numbers. General education, not personal advice.

• Why fill your ISA before investing anywhere else — The £20,000 ISA allowance is the simplest tax break most people have. Here's why Plan My Freedom sends spare money there first, and when it shouldn't.
• Why everything in your plan is in today's money — Plan My Freedom never shows you a £3 million pension in 2060 pounds. Here's what "real terms" means and why it makes plans easier to read.
• How the market simulation works — The central projection grows at a steady rate every year. Markets don't do that. Here's what the fan chart and the "odds your money lasts" are telling you.