For UK households planning to stop work early
Plan the years between stopping work and reaching your pension
Pensions, ISAs, property and company money for the whole household, in one private place, with UK tax worked out from the published rates.
The bridge
See how many years sit between stopping work and your pension, and which money covers them.
UK tax built in
Income Tax, National Insurance, dividends and allowances for England, Wales and Northern Ireland.
Private by design
No bank log-ins, no adverts and no selling your data. You enter your own figures.
Who it is for
Couples and families with several pots
Workplace pensions, a SIPP, ISAs, savings and a home, for each person in the household, and no single place that adds them up.
Company directors
A limited company paying a salary, dividends and pension contributions, with money in the company kept as its own line and never folded into net worth.
People planning to stop before State Pension age
On 6 April 2028 the age most people can first take a private pension rises from 55 to 57, which makes the bridge longer for anyone planning to stop early.
What it does
The bridge
The years between stopping work and each pension unlocking, the money you can get to in that time, and whether it covers what the household spends.
UK tax, worked out
Income Tax, National Insurance, dividend tax, Corporation Tax, the Personal Allowance taper and Child Benefit, from the published rates for England, Wales and Northern Ireland, with the source of each figure one tap away.
The whole household
Each person's accounts and pensions, and one view-only partner seat on every plan, so both of you see the same figures.
Tools for company directors
Company money, salary and dividends side by side, the options for paying yourself from your company, and a pack to send your accountant.
Projections that show their workings
A year-by-year table behind every answer, the assumptions you can change, and a plain list of what the projection does not model.
Your own figures
You enter and update balances yourself. Nothing connects to your bank, and nothing moves money.
Privacy is part of the product
- We do not sell, rent or share your data.
- No advertising, no third-party analytics and no third-party scripts on our pages.
- We count how the service is used on our own servers, never with your figures, and you can switch that off in Settings.
- Your data is held in the United Kingdom.
- Download everything, or close your account, yourself, at any time.
Security
- Two-step verification for every account, and compulsory for our own admin accounts.
- Everything between your device and us is encrypted (HTTPS).
- Data and backups are kept in Microsoft Azure's UK regions. Backups are encrypted before they leave our server.
- Automated tests try to read one household's data as another before every release.
- An independent penetration test has not been done yet. We will say so here when one has.
Service status: status.oxygene.xyz. Found a security problem? security@oxygene.xyz
Plans
There are two plans. Free is not a trial: it keeps working. Premium adds planning depth. Pricing to be announced.
Free
- Dashboard
- Insights
- Journal
- Monthly check-in
- Accounts
- Data health
- Import from a file
- Holdings
- Asset allocation
- Performance
- Property
- Companies
- Budget
- Safety Net
- Goals and protection
- Debt and cash flow
- Retirement
- Tax and benefits
- Tax deadlines
- Benefits you might get
- Business owner’s checklist
- Family
- Contacts
- Life events
- Handover
- Estate and Inheritance Tax
- Annual review
Premium
Everything in Free, and:
- Selling assets
- Spending analysis
- Simulations, stress tests and what-ifs
- Saved retirement scenarios
- ISA or pension?
- Survivor planning
- Retiring abroad
- Tax modelling
- The full tax-year ledger
- Company tax planner
- Paying yourself from your company
- The full checklist
- Accountant pack
- Tax Explorer
- Compare a job offer
- More than one viewer
- More life-event playbooks
- The full annual review
- Plan record
Every household, on every plan, can share a view-only seat with one partner. The partner sees the household at the owner's plan, but it gives them no plan for a household of their own. After a partner seat ends, it can be given to someone else 14 days later.
Who is behind it
Oxygene Finance started as a passion project. Every tool we found for recording a family's wealth and planning retirement meant either a lot of manual spreadsheets or a financial adviser to reach the tools. So we built one a household can use on its own: a guide, or a compass, for tracking progress and seeing how ready you are to retire, to reach financial independence, or simply to take a career break.
Oxygene Finance is a service of Oxygene Group Ltd, a company registered in England and Wales (company number 15954292). Registered office: A4g Suite Nepicar House, London Road, Wrotham Heath, Kent, TN15 7RS, United Kingdom.
Registered with the Information Commissioner's Office, number ZB933043. Questions: support@oxygene.xyz.
Oxygene Finance provides information, not financial advice. Oxygene Group Ltd, which runs it, is not authorised or regulated by the Financial Conduct Authority (FCA).
Register interest
Sign-up opens to everyone later. Leave your email address and we will tell you when it does. This does not create an account, and we keep nothing about you but the address.
We send one email to confirm the address. If nobody confirms it, it is deleted after 7 days. Once confirmed, it is kept until you leave the list, or three months after sign-up opens to everyone, whichever comes first. How we handle it: Privacy Policy.