Financial Disclaimer

Last updated: 2 July 2026

Ember is a modelling tool, not financial advice

Ember produces projections, simulations, and illustrations based on the figures and assumptions you enter. Nothing in this application — including FIRE dates, safe-withdrawal-rate calculations, Monte Carlo simulations, stress tests, debt strategies, AI-generated insights, or any report — constitutes financial, investment, tax, pension, or legal advice, and none of it is a recommendation to buy, sell, or hold any asset.

Projections are not promises

All projections are hypothetical. They depend on assumptions about returns, inflation, contributions, and spending that will not match reality. Past market performance — including the historical sequences used in backtests — does not predict future results. Capital is at risk; investments can fall as well as rise.

Market data

Prices and exchange rates come from external providers and may be delayed, incomplete, or unavailable for particular instruments. They are provided for information only.

AI-generated content

Insight and chat features use large language models. Their output can be incomplete, out of date, or wrong, and must not be relied on as a substitute for professional advice.

Your decisions remain yours

Before acting on anything modelled in Ember, consult a qualified, regulated financial adviser who can take your full personal circumstances into account. Tax and pension treatment depends on your individual situation and jurisdiction and may change.

Ember is operated by Planespoken Ltd (England and Wales, company number 11084007), which is not authorised or regulated by the Financial Conduct Authority or any other financial conduct authority.