Retirement Calculator

Retirement Calculator*

Quick planning tool with UK context (State Pension + ISA vs Pension split).

Preset: Balanced sets growth to 6%.

Current savings (£) The total amount you’ve already set aside today. Monthly saving (£) How much you can set aside each month (your out-of-pocket amount). Put into pension (%) How much of your monthly saving goes to pension vs ISA. Pension top-up (tax relief) (%) Simple uplift on the pension part (e.g., 25% means £80 becomes £100). Expected yearly growth (%) An average long-term estimate (real life goes up and down). Inflation assumption (%) Used to show results in today’s spending power. Income you want per year (today’s £) Your desired yearly income in retirement, in today’s money. State Pension estimate per year (today’s £) If you expect State Pension, add an estimate here (set to 0 if not). How cautious should this be? (%) Lower number = more cautious plan. Many people use 3–4%. Years until retirement How many years from now you’re planning for retirement.

Retirement pot needed (today’s £) — Based on your income goal minus State Pension, using your cautiousness setting.

Projected total pot (today’s £) — Purchasing power in today’s terms at retirement.

On track? — Compares projected pot vs pot needed.

Projected pot (future £) — What your pot could be worth in future pounds.

Pension pot (future £) — Includes simple pension top-up on contributions.

ISA pot (future £) — Based on the ISA share of your monthly saving.

What to change next

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Retirement Calculator (UK)

Use this calculator to get a clear, simple estimate of whether you’re on track for retirement.

You enter:

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)
simple “on track / not yet” result
a practical “what to change next” suggestion if there’s a gap

This tool is for planning and comparing scenarios. It shows possible outcomes based on your assumptions, not guarantees.

This tool is for planning and comparing scenarios. It shows possible outcomes based on your assumptions, not guarantees.

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

Technical note This calculator runs entirely in your browser. No data is stored or transmitted. It is designed for planning and comparison, not prediction.