Retirement Planning Calculator
Retirement Planning Calculator (UK) gets you a clear, simple estimate of whether you’re on track for retirement.
You enter:
- what you’ve already saved
- how much you can put away each month
- how many years you have until retirement
- the annual income you’d like in retirement (in today’s money)
It also includes UK-specific context by letting you add an estimate for your State Pension and split your monthly saving between a pension and an ISA.
You’ll see:
- an estimated retirement pot you may need (in today’s money)
- what your savings could grow to by your retirement date (both future value and today’s value)
- what your savings could grow to by your retirement date (both future value and today’s value)
- a practical “what to change next” suggestion if there’s a gap
Retirement Planning Calculator
A simple long-term planning tool with UK context, including State Pension and pension vs ISA split.
1. Your current position
Start with what you already have and what you can add each month.
2. How your saving is split
Choose how much goes into pension and how much goes into ISA.
3. Your assumptions
These settings shape the projection. They are estimates, not guarantees.
4. Your retirement target
Set the income you want in retirement and account for State Pension if relevant.
Your result
A simple view of what your plan may produce under the assumptions above.
What to adjust next
Use this as a planning prompt rather than a fixed answer.
Important Notes & Assumptions
- Investment returns are assumed to be smooth and average (real markets fluctuate)
- Inflation is assumed to be constant
- Taxes, fees, employer contributions, and withdrawal strategies are not included
- Results are illustrative only, not financial advice
This tool is best used for:
- Scenario planning
- Directional decisions
- Comparing “what-if” situations
This calculator runs entirely in your browser. No data is stored or transmitted.
It is designed for planning and comparison, not prediction.
