Sooner

Sooner works out the date you could stop needing a salary, from what you have today. Tell it what you have: your accounts and pensions, your payslip, what a month of life costs. It carries today forward in today’s money, until your money could pay for that life for good. No bank login, no account to create. Four questions give you a date in about two minutes, and guesses are fine. THREE SCREENS, ALWAYS IN THIS ORDER • Have: everything you own today, and the date each part becomes yours. Pensions and unvested shares are striped: real, yours, just not yet. • Forecast: today carried forward to the year your pension opens. Drag along the line and every number answers for that year. • Freedom: one dial, what a month costs once work stops. Spend less and the date comes sooner. Three marks on one line: stop saving, half covered, stop for good. Under it, what would change it: a kid, buying a place, a year out, a promotion, a crash. Eighteen things that happen to people, each priced in years against your own plan. Nothing changes your plan until you make it real, and you can undo it. THE BRIDGE NOBODY MENTIONS Stopping before your pension opens means paying for those years from money you can actually reach. Sooner checks the bridge as well as the total, and tells you which one is holding your date back. THE UK, PROPERLY Income tax, National Insurance, student loans, salary sacrifice, ISAs, workplace pensions and the State Pension, at 2026/27 rates. Your qualifying years count, voluntary National Insurance can be priced, and announced rule changes are dated and worked out in your own numbers. NO NUMBER IS ANONYMOUS Every figure says where it came from: something you told it, something measured, or a guess for now. “How wrong this could be” runs the same years a thousand ways. Once a month the app closes the month and shows what moved, and why. EVERY IDEA, SAID TWICE Seventeen short lessons explain the basics and the ideas behind the numbers, each written two ways: everyday, with the proper names, or like you’re eleven. No streaks, no badges, nothing to finish. PRIVATE BY DESIGN Everything stays on your iPhone. The app makes no network requests: no account, no analytics, no tracking. Sooner is arithmetic, not financial advice. For a big decision, talk to a regulated financial adviser.