## Order of operations
1) Kill toxic-interest debt. 2) Keep a thin emergency floor. 3) Automate contributions. 4) Use Years to goal and Retirement corpus needed with conservative returns. If 50+, check Age-50 catch-up contribution calculator rules for United Kingdom.
## Compounding is not magic if the rate is fantasy
Stress-test with lower returns in Compound interest and a Pension gap. Optimism in a spreadsheet does not raise markets. Educational for United Kingdom (GBP).
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Note: Educational content from Calcly United Kingdom. Official sources (HMRC — PAYE/NI simplified annual model.) and licensed professionals take priority in United Kingdom.