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Have I Enough?
Know when you can stop working, not just when you can retire
Know when you can stop working, not just when you can retire. A private, client-side UK retirement cashflow planner. Model your pensions, investments, income, spending and tax, compare different scenarios, and stress-test your plan against thousands of possible market outcomes.
I built Have I Enough? because I was frustrated that every retirement calculator seemed designed to tell me I needed to work forever. They rarely answered the question I actually cared about: when can I stop doing work I don't enjoy and know my family will be okay?
I wanted something that models real life. Pensions, ISAs, state pension, mortgages, part-time income, different retirement ages, investment returns, and uncertainty. Not to predict the future with certainty, but to help make informed decisions with confidence.
Have I Enough? isn't about becoming as wealthy as possible. It's about understanding when you've reached enough. Because there's little point spending decades accumulating money if it means sacrificing years you could have spent with your family, travelling, pursuing hobbies, or simply enjoying life.
How does it actually handle the tax side of things across different UK scenarios like salary sacrifice vs take-home contributions, and is that kept up to date as rules change?
How does the tax modelling actually work for things like salary sacrifice or multiple pension contributions in different tax years, and is that data refreshed when the rules change or do I need to manually update it?
the Monte Carlo stress-testing is the right idea for market returns, but the UK-specific part that worries me more over a 30+ year retirement horizon is policy risk - state pension age, ISA/pension tax treatment, and the triple lock have all been fair game for change every few years. does the model let you flex those assumptions or run a "rules get worse" scenario, or is it built on today's rules staying fixed for the whole plan?
Being able to share a read-only snapshot link with my partner would be really useful — we keep trying to plan jointly and end up describing numbers over the phone, which gets messy fast.
Love that it actually shows you when you can stop working, not just retire - that framing feels so much more useful. The Monte Carlo stress testing gave me a much clearer picture than the usual static projections I've seen elsewhere.
About Have I Enough? on Product Hunt
“Know when you can stop working, not just when you can retire”
Have I Enough? was submitted on Product Hunt and earned 10 upvotes and 12 comments, placing #47 on the daily leaderboard. Know when you can stop working, not just when you can retire. A private, client-side UK retirement cashflow planner. Model your pensions, investments, income, spending and tax, compare different scenarios, and stress-test your plan against thousands of possible market outcomes.
Have I Enough? was featured in Lifestyle (1.7k followers) and Personal Finance (2.9k followers) on Product Hunt. Together, these topics include over 7.4k products, making this a competitive space to launch in.
Who hunted Have I Enough??
Have I Enough? was hunted by Barry Mooring. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
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