Vistro

Daniel Balshaw

Vistro is a UK planning 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. 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.