Vistro

Vistro is a UK finance app that turns your real numbers into a clear picture of when — and how — you could retire. Most apps stop at "save more, retire someday." Vistro help project your pensions, ISAs, property, mortgage, and State Pension year by year, so you can see exactly when the maths works for you. PRIVATE BY DESIGN • All your data stays on your device or iCloud. Vistro has no servers and can't see your numbers. • No accounts. No tracking. No ads. • Face ID or Touch ID lock available. PLAN YOUR RETIREMENT • Build multiple retirement plans and compare them side by side. See the trade-offs between retiring earlier with less monthly income, versus working longer for more. • Plan by date ("I want to retire at 55") or by lifestyle (Minimum, Moderate, Comfortable, Gold Standard) — Vistro tells you when each target is reachable. • Model early retirement properly with bridge ISAs: select savings accounts to fund the gap between retirement and your pension access age. • Choose your drawdown style — level for steady income, or front-loaded for higher income early on. • See your runway: a year-by-year chart of pension, bridge, and boost balances from retirement to age 90, with a Pot Empty marker if the maths runs short. YOUR MONEY, YOUR PICTURE • Track savings, pensions, properties, mortgages, assets, and liabilities — all in one place. • Net worth projections out to your drawdown horizon. • Property equity tracked with partner ownership splits and mortgage amortisation, including overpayment modelling. • Per-account growth rates: set what you assume for each savings account, pension pot, and property. No hidden defaults. UK-SPECIFIC • State Pension integrated by age and entitlement. • Normal Minimum Pension Age handled correctly — the app knows your access age based on your date of birth. • Tax-free lump sum (25%) modelled with the LSA cap. • Auto-enrolment, salary sacrifice, and additional pension contributions all supported. Vistro is a planning tool, not financial advice. The projections are honest estimates based on the numbers you enter; they don't predict the future. Always consult a regulated financial adviser before making major retirement decisions.