CareFund Forecaster
A retirement-stage financial planning tool for UK adults in their 40s to 60s that models potential lifetime care costs under different government reforms and recommends savings, insurance, and equity-release strategies to bridge any gap.
UK pre-retirees aged 45-65 worried about future care costs eating into retirement savings or the family home
- Lifetime care cost forecast using a probabilistic model of personal care needs, regional cost variation, and likely family contribution under each reform scenario
- Gap-to-goal planner that shows whether current ISA, pension, and property equity will cover projected care costs and flags shortfalls by age band
- Product recommender that shortlists care-fee annuities, equity-release products, and protection plans matched to the user's forecast rather than generic affiliate lists
- Reform watch that alerts the user when government proposals shift enough to materially change their plan
With Burnham signalling a possible 10 percent estates levy to replace inheritance tax and the Casey review imminent, UK adults are urgently reassessing whether their existing retirement plans will survive future care costs.
Guardian source explicitly mentions the 10 percent estates levy proposal and inheritance tax debate, showing UK adults are actively thinking about care funding.Planning and Preparing for Later Life 2024 - GOV.UK ↗
Generic UK retirement planners ignore care costs; specialist care-fee advice is advisor-led and expensive.Planning and Preparing for Later Life 2024 - GOV.UK ↗
Care-fee planning is a known high-conversion financial services category with valuable affiliate products.Planning and Preparing for Later Life 2024 - GOV.UK ↗
UK demographic aging makes this a 20-year structural need spanning boomers and Gen X.
Care cost data and product specs are publicly available; actuarial modeling and ongoing regulatory tracking are the main engineering challenges.