Guiide Reviews 791

TrustScore 4.5 out of 5

4.7

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. People appreciate the tool's user-friendliness and intuitive design, which makes retirement planning straightforward. Consumers highlight that the platform offers a clear, easily understandable dashboard and provides a comprehensive overview of their financial future, enabling them to model various scenarios. The tool is praised for its ability to handle different financial situations, including pensions and savings. Reviewers find it useful for estimating how their pension finances might work and for planning their retirement income. Many look forward to the introduction of the couples feature. Overall, people consider it the best free model they have found for retirement planning.

Based on these reviews

Rated 5 out of 5 stars

Really neat financial planning tool which can be used to create an initial retirement plan with graphical representations. Best of all it’s free and can be updated/adjusted for different sce... See more

Company replied

Rated 5 out of 5 stars

Really simple to use and gives a good indication of what’s possible - maybe sooner than some would expect. Lots of variables can throw things off course but that’s life. For anyone that hasn’t looke... See more

Company replied

Rated 5 out of 5 stars

Having looked for a pension drawdown calculator and found nothing that wouldn't require a callback or similar, I've finally found this. What a fantastic tool to get basic (and maybe not so basic) pro... See more

Company replied

Rated 5 out of 5 stars

This is a great free tool for retirement planning, simple to understand and gives a clearly laid out dashboard. I have seen features improve over the couple of years I have used it and am awaiting the... See more

Company replied

Rated 4 out of 5 stars

Very easy to use, and quite intuitive. It can be a fiddle to go and make some amendments to model an alternative scenario but not too bad. Overall the best and simplest free model I have found. A few... See more

Company replied

Rated 4 out of 5 stars

Great tool if your situation is straightforward. But Guided Drawdown and Couples planning has been promised for over a year now. How about an update and honestly on where you are on this ( … I’m sure... See more

Company replied

Rated 5 out of 5 stars

Finally a really good pension and drawdown planner. Unlike many others, Guiide takes a holistic approach to all my finances including pensions, ISAs and other savings and then allows me to tweak num... See more

Company replied

Rated 4 out of 5 stars

I was recommended Guiide by someone on a Facebook page about retirement planning. Of all the retirement planning tools I have used, this one was by far the most comprehensive. Simple to enter the... See more

Company replied

Rated 5 out of 5 stars

Everything needed to see a clear picture of the future in an easily understandable flow with quick links to .gov to find all needed information to input ina jiffy. The site working well and logically... See more

Company replied

Rated 5 out of 5 stars

It was great to find a professionally put together retirement modelling tool which was not only free at point of use but also came with very responsive feedback to a query on usage. Well done guys. I... See more

Company replied

Rated 5 out of 5 stars

I used Guiide to determine how much of my pension pot I could take without incurring higher rate tax. As I am building a business and my other income will increase over time. It gave me information in... See more

Company replied

Rated 4 out of 5 stars

Probably more powerful than any of its competitor apps for retirement financial planning. Could always have inputs for more (a bit more detailed health history, more country specific etc). However, as... See more

Company replied

Rated 5 out of 5 stars

I’ve been using Guiide for the last 18 months or so and love its simplicity and I hope its accuracy. The fact that you can play with the variables is massively helpful to do some ‘what if’ scenarios a... See more

Company replied

Rated 5 out of 5 stars

The website is brilliant. It allows you to easily and quickly enter all of you pension and savings info then calculates what level of monthly payments you could expect to receive for life. It's easy t... See more

Company replied

Rated 5 out of 5 stars

Great tool and very easy to use. Helps to give you confidence that you are on the right track for retirement, or an idea of how much more you need to start saving if you’re not quite there yet. I’... See more

Company replied

Rated 5 out of 5 stars

Great tool. Can play with inputs and outcomes. Can help make confident decisions and see gaps/solutions in plans. Recommended to me, I would recommend on. Edit - hopefully a "couples" version is re... See more

Company replied

Rated 5 out of 5 stars

The calculator is easy to use and highly configurable (eg. modifying income over time). The suggested fixes to the plan were very useful. It's the best calculator and planning tool I've encountered by... See more

Company replied

Rated 3 out of 5 stars

The basic product is pretty good, but there are extensions that would naturally fit into the customer journey here that are not provided - eg dealing with a parter, considering inheritance tax, dealin... See more

Company replied

Rated 4 out of 5 stars

The platform guided you through the set up and was super easy to tweak elements and see the impact, providing a lot of information in a very clear format. Would be 5 stars when you can add your partn... See more

Company replied

Rated 5 out of 5 stars

this site is a really good way to explore how to retire un the UK and when. Great first step to determine what you can do before you discuss with a financial advisor. If you're planning to plan soon t... See more

Company replied

Rated 5 out of 5 stars

Such a friendly site, simple and intuitive. Information and data is so clearly seen or easily found, site allows simple forward and backwards movements without any drama of tool or site hangi... See more

Company replied

Rated 5 out of 5 stars

This is an excellent tool to model different retirement options. I have used financial advisors who have worked with similar tools, but to be able to model my own scenarios at home, gives me the conf... See more

Company replied

Rated 5 out of 5 stars

This programme is brilliant it helped me to realise that I can retire at 60 without running out of money throughout my retirement. Very easy to use and gives a clear understanding how much money I can... See more

Company replied

Rated 5 out of 5 stars

The best tool for retirement planning that I’ve found - and it’s completely free. This is as good as paid for options that I’ve seen. It has loads of flexibility for adding income, savings,... See more

Company replied

Rated 5 out of 5 stars

WoW very very impressive and user friendly - lots of opportunity to change figures as you proceed through the plan and assistance on how to improve.. I have looked at many different planners and this... See more

Company replied

Rated 5 out of 5 stars

Great free pension forecasting service which was really easy to use. Only thing I'd like to see to improve would be the ability to manually amend your expected yearly pension withdrawal rather than be... See more

Company replied

Rated 4 out of 5 stars

⸻ A promising tool with a solid foundation This is a good little tool — simple and effective in what it sets out to do. While it’s a bit basic at the moment, there’s clear potential for growth.... See more

Company replied

Rated 5 out of 5 stars

The best tool for retirement cashflow and withdrawal planning available in the UK imo. I've been using this over the past 18 months to generate separate plans for myself and my wife and a month ago... See more

Company replied

Rated 5 out of 5 stars

Very useful for getting a fairly detailed estimate of how your pension finances might work. Allows lots of different permutations to be tried and I do like the stress test feature and the ability to a... See more

Company replied

Rated 5 out of 5 stars

A great tool to plan your retirement income with. You can see how your various pots and savings can be used to realise the yearly income that you desire and see where any risks might lie.

Company replied

Rated 5 out of 5 stars

Well thought out product that helps me forecast my pension and investments under different scenarios. I had a little trouble on one part of the site, but when I emailed in, I got an answer straight... See more

Company replied

Rated 3 out of 5 stars

It’s ok. Not fully compatible with real life scenarios, such as married / single , partner still working. Confusing how to show a 25% tfa in the available options and it assumes I spend it. I won’t b... See more

Company replied

Rated 4 out of 5 stars

The user interface and workflow were intuitive. I wanted to be able to have more control over how long I wanted the income to grow. 75 or life was too limiting

Company replied

Rated 5 out of 5 stars

This company does not force you to give your personal information unless you want to. It provided me with most of the information I wanted to know. Very simple to use. Allows what if scenarios.

Company replied

Rated 5 out of 5 stars

Guiide retirement tool is excellent. It is so much better than spreadsheets. I can't recommend it enough for those trying to establish whether or not they have "enough" money to retire

Company replied

Rated 5 out of 5 stars

I was looking for a tool to help me take charge of planning my financial future as I look ahead to retirement. This is exactly what I needed, and I feel much more empowered now. I look forward to seei... See more

Company replied

Rated 4 out of 5 stars

A very good app for planning my pension when even my provider couldn't give me an accurate outlook, now I know that I can hang up my gloves a couple of years sooner.

Company replied

Rated 5 out of 5 stars

Great product, it's innovative in terms of how flexible it is, why can't the big companies offer this free service.....we all know why. Absolute recommend GUIIDE.

Company replied

Rated 4 out of 5 stars

The website gave quite a few options for customisation and allowed me to get a good idea of future funding. Lost one star for being just based on a single person with no options for a couple - I put t... See more

Company replied

Rated 4 out of 5 stars

Easy to get a retirement plan, but several limitations (at the moment) mean that it doesn’t cover all situations, but I believe Guiide will improve over time. I like how it gives a different scenarios... See more

Company replied

Rated 5 out of 5 stars

Early days of using it but interesting to see that I may be able to retire earlier than I thought. It's a well thought out and thorough tool, all the assumptions seem reasonable.

Company replied

Rated 5 out of 5 stars

Guiide is an excellent free pension calculator that I would highly recommend. It’s very easy to use, gives clear results instantly, and avoids the usual jargon that makes financial tools confusi... See more

Company replied

Rated 5 out of 5 stars

The best calculator by far, allowing different pension pots to kick in at future dates. Hugely helpful to me in planning my retirement date

Company replied

Rated 4 out of 5 stars

Excellent tool for retirement and pension fund planning. A few more customization options and it would be perfect. So a 9 out of 10 for me.

Company replied

Rated 5 out of 5 stars

So simple to use, but extremely helpful and powerful. Excellent company - sent them a chat query & within minutes Kevin solved it.

Company replied


Company details

  1. #49 of 114 best companies in Alternative Financial Services
  2. #9 of 19 best companies in Financial Planner

Written by the company

We only have one aim, to give savers direct access to, or allow trustees, employers and providers to provide tools their pension savers need, to improve their retirement outcomes. Put simply, there are plenty of tools which tell pension savers if they take A each year, earn B returns, their pots will last for C years. For almost everyone these offer no practical help, as nearly everyone has other income or savings to put towards retirement. Included in these are State Pensions, Final Salary pensions, ISA savings and part time work for example. Some of these are taxable, some are not. Our tool is the only fully holistic planning tool that can be used directly by individuals without expert input. Our tool answers the one question pension savers actually want answered, "How do I use everything I have, to get the after tax income I want in retirement?". You can visit the Guiide website for much more detail and to try it for yourself.


Contact info

4.7

Excellent

TrustScore 4.5 out of 5

791 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Really useful tool

Really useful tool. Would be nice to be able to select a part of the total tax free amount as an up-front lump sum. Unfortunately its currently all or nothing (unless I missed something)

31 January 2026
Guiide logo

Reply from Guiide

Hi Jeremy

Many thanks for the review. If you want to do this, lets say your tax free cash lump sum is £100K and you want half. Then just add £50K back in as another lumps sum at retirement date. This will go straight into savings, its not the same but will give you a very similar results as there is no income tax when drawing down savings.

Thanks

Kevin

Rated 5 out of 5 stars

Easypeasy

Simple, clear and instructive. A really well thought out model that strips away the technicalities of pensions and focuses on what matters.

11 February 2026
Guiide logo

Reply from Guiide

Hi Eamonn

Many thanks for the review, hearing its simple, easy and clear is what we are aiming for.

Thanks again

Kevin

Rated 5 out of 5 stars

Just the tool I was looking for.........

I saw Diane Sullivan talking about it on her You Tube channel. It's a great way to sanity check and stress test your own pension income calculations. Very simple input requirements and very easy to understand, but clearly detailed, output. It's actually given me the confidence to give serious thought to retiring early.

7 February 2026
Guiide logo

Reply from Guiide

Hi

Many thanks for the review. Dianne's channel is great and pleased she did a video on us. We plan to link to a few of her videos for education purposes on our site soon.

That's great to hear that its helped you have more confidence in retirement. We hear that a lot. "I just need something that helps me understand that things should be ok". So its what we try and provide.

Thanks again

Kevin

Rated 5 out of 5 stars

Great free product

I’ve been looking for a free cash flow ladder and found this site. Really easy to use and self explanatory. Would recommend.

6 February 2026
Guiide logo

Reply from Guiide

Hi

Many thanks for the review and pleased you would recommend to others

Thanks again

Kevin

Rated 3 out of 5 stars

Retirement Calculator Usefulness

The retirement calculator gives a useful basic overview of the longevity of your funds but lacks any real detail. Subsequent interactivity with the data and figures produced also limited.

6 February 2026
Guiide logo

Reply from Guiide

Hi

Many thanks for your review and sorry it disappointed. You can interact with the data in the Design page charts (both income and pots). It breaks down every element of the income parts and tax in there.

Many thanks

Kevin

Rated 5 out of 5 stars

Very Useful and Helpful

I still need to fine tune my results but early indications are that this is such a useful tool for amalgamating your finances and results in one place.

5 February 2026
Guiide logo

Reply from Guiide

Hi

Many thanks for the review and really pleased you like it

Thanks again

Kevin

Rated 5 out of 5 stars

The best calculator by far

The best calculator by far, allowing different pension pots to kick in at future dates. Hugely helpful to me in planning my retirement date

5 February 2026
Unprompted review
Guiide logo

Reply from Guiide

HI Graham

Many thanks for the review, really pleased you like it

Thanks again

Kevin

Rated 5 out of 5 stars

Really neat financial planning tool…

Really neat financial planning tool which can be used to create an initial retirement plan with graphical representations.

Best of all it’s free and can be updated/adjusted for different scenarios, giving the most tax efficient method of drawdown.

Something which is important to me, is it only requires basic information, like sex, current and retirement age. It does require an email address, but only if you want to save the plan and download a copy.

It even does some stress testing, considers sequencing risk, and gives options to resolve, which is all pretty neat. About the only problem I have with it, is the assumed level of inflation of 2.5%, which can’t be adjusted.

Highly recommend.

4 February 2026
Guiide logo

Reply from Guiide

Hi

Many thanks for the thorough review and pleased you like it.

Thanks again

Kevin

Rated 4 out of 5 stars

It’s great to have this helpful tool…

It’s great to have this helpful tool for free! It wasn’t obvious how I could regenerate my plan based on a different starting income but I did get a very prompt response to my online query that sorted the issue.

31 January 2026
Guiide logo

Reply from Guiide

Hi Sue

Thanks for the review, yes we need to make that clearer and was happy to help with your query.

Many thanks

Kevin

Rated 4 out of 5 stars

The user interface and workflow were…

The user interface and workflow were intuitive. I wanted to be able to have more control over how long I wanted the income to grow. 75 or life was too limiting

2 February 2026
Guiide logo

Reply from Guiide

Hi

Many thanks for the review pleased you like other than the income point. We try to keep it simple so the three shapes, flat, increasing for life, increasing to 75 plus the ability to add some extra for a number of initial years usually provides everything needed simply. However if you want a more bespoke income, you can always change any year in the chart individually if wanted.

Many thanks

Kevin

Rated 5 out of 5 stars

Great free tool

Great free tool, easy to use.

12 January 2026
Guiide logo

Reply from Guiide

Hi Anthony

Thanks for the feedback and really pleased you like it

Thanks again

Kevin

Rated 4 out of 5 stars

Excellent tool for retirement and…

Excellent tool for retirement and pension fund planning. A few more customization options and it would be perfect. So a 9 out of 10 for me.

13 January 2026
Guiide logo

Reply from Guiide

Hi Rob

Thanks for the review and pleased you like it

Kevin

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look