Retirement planner
Model your retirement income and see how your pot could grow.
Your own target in today's money. Used for projections and saving to your metrics.
Years to grow: 37Monthly contrib: £0
Real return (after inflation & fees): 2.93%
Pot at retirement (today's): £0
Estimated compound growth (today's): £0
Sustainable from pot (today's): £0/mo
Government pension (today's): £1,045.63/mo
Income incl. govt. pension (today's): £1,045.63/mo
Summary and chart use today's money.
Illustrative only. The government pension uses the current full-rate assumption, the sustainable-income estimate uses a 3.5% withdrawal rate, and the £60,000 annual-allowance warning is simplified and does not account for carry-forward or individual tax circumstances. Check your exact government pension date and entitlement. This is not financial advice.
Project a pension pot and retirement income using your current savings, monthly contributions, expected growth and inflation assumptions.
What it includes
The calculator estimates long-term pot growth and sustainable monthly income in today’s money, so the result is easier to compare with current living costs.
- Current pension or investment pot
- Monthly contributions
- Expected growth and inflation
- Retirement age and income target
Useful planning questions
Use it to test whether increasing contributions, retiring later, or changing the income target makes the plan feel more realistic.
Common questions
Is this financial advice?
No. It is an educational projection. Investment returns, inflation, pension rules and tax treatment can change, so treat the result as a planning estimate.
Does it include the State Pension?
The calculator can include a State Pension assumption to show how income may change once State Pension age is reached.
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