Retirement calculator

1 About you
2 Pensions
3 Investments
4 Savings
5 Retirement income

To help us estimate how long your non-property wealth (cash, investments, pensions etc.) is likely to last, we need to ask a few questions about your retirement goals.

What is your date of birth?
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What is your gender?
Are you currently retired?
What age would you like to retire at?
Please enter a retirement age
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Please enter a lower retirement age
Please enter a higher retirement age
Please set a valid birth date first
Please set a retirement age equal or greater than your current age

This should include any individual and group schemes.

As an estimate, what is the current total value of all of your pension(s)?
£
How much do you pay into your pensions each month?
£

This should include any liquid investments such as ISAs, unit trusts, general investment accounts, investment bonds, investment trusts and individual shares.

What is the approximate current value of your investments?
£
On average, how much do you pay into your investments each month?
£

This should include any National Savings & Investments (NS&I) products, fixed term bonds, cash ISAs and current, notice or any other type of savings accounts.

Approximately how much do you currently have saved?
£
On average, how much do you save into cash accounts each month?
£

In retirement, how much money (after tax) do you need to maintain your desired lifestyle?

What is your desired net income in retirement?
Net yearly income amount Net monthly income amount
£
Do you want to take a lump sum cash withdrawal?

Retirement calculator results

£
Realisable wealth
£
Desired annual income
years
Life expectancy

Will I have enough to retire on?

Here’s why:

Your investments can go up and down and you may not get back the full amount invested.

Our calculations are based on assumed rates of inflation, savings, investments and earnings growth each year.

  • Assumed inflation increase of % per year, based on long-term inflation targets and historic trends.
  • Assumed earnings increase of % per year.
  • Assumed pension growth rate of % above inflation.
  • Assumed investment growth rate of % above inflation.
  • Assumed savings growth rate of % below inflation.
  • Assumed increase in annual contributions to pensions the same rate as earnings growth.

Please note: The results of these calculations are for illustrative purposes (based upon the information you have provided, and the assumptions stated), and do not constitute any individual advice. Investments are not guaranteed, both the capital and any income derived from them can both rise and fall, and you may get back less than you currently invested. Past performance is not a reliable indicator of future return. The Financial Conduct Authority (FCA) does not regulate cash flow planning.