Practical retirement planning for normal people
Work out when you could retire, and what life could look like when you do
I built Retirement Calculators to help answer the questions that sit behind a pension forecast. Could you stop work earlier? What would another year buy you? How do your pensions, ISAs, property and spending fit together?
Use your own figures to test different routes and make decisions based on the life you want, rather than a generic retirement target.
New: Plan HubSave your pensions, savings and spending as one plan and come back to it. Free for 7 days 
What do you want to work out?
Search 130+ calculators and guides
Where are you in your retirement journey?
Pick a stage which best matches where you are as a starting point.
Stage 1
More than 10 years away
Time is on your side. The useful question is how much you are saving and what it could grow to.
Stage 2
5 to 10 years to go
Check whether you are on track while there is still time to change what you pay in or when you stop.
Stage 3
Retiring in the next few years
Work out how you will take your money, and how to cover any gap before your State Pension starts.
Stage 4
Already retired
See how long your money could last, what tax your withdrawals pay and what you could pass on.
Explore calculators by theme
Start with the area that matches your biggest question. Each section shows a few tools to begin with, then a link to the full set for that theme.
FIRE & Early Retirement
For people who want work to become optional well before traditional retirement ages. Model your FIRE number, bridge years and different lifestyle levels.
Pension Calculators
Understand how workplace pensions, SIPPs and the State Pension fit together. Explore contribution limits, tax free cash and the gap between where you are and where you want to be.
Property, Mortgage & BTL
See how your home and any rental properties support your retirement plans. Compare selling, keeping, overpaying the mortgage or using equity as part of your strategy.
Tax Optimisation
Explore how to use ISAs, pensions and efficient wrappers so you keep more of your returns. These tools highlight the long term impact of fees, allowances and tax planning.
Work & Career Transition
Not everyone wants to jump straight from full time work to full retirement. Model part time work, semi retirement and career breaks to see how they shift your retirement timeline.
Public Sector Profession Calculators
Specialised tools designed for NHS staff, teachers and other public sector professionals, reflecting the quirks of public sector pension schemes and benefits.
Retirement Income & Withdrawal
Plan how to generate and withdraw retirement income efficiently. These tools help you understand your total retirement income, optimise withdrawal strategies, and see how different income sources work together.
Investment & Portfolio
Understand how your investment choices and fees shape your long term outcomes. Compare growth rates, contribution levels and portfolio structures.
Life Events & Scenario Modelling
Test big one off decisions and what if scenarios. Business sale, redundancy, windfalls, inheritance planning and other life events can all shift the shape of your retirement journey.
Geo-Lifestyle & Relocation
Explore how moving region within the UK or changing your cost of living could accelerate or support your retirement plans.
Crypto & Geo-Arbitrage
Explore how crypto holdings and international relocation can work together for tax-efficient retirement planning. Compare crypto-friendly jurisdictions and residency strategies.
- Crypto International Geo-Arbitrage Calculator
- Crypto Tax Record-Keeping & CARF Readiness Calculator (UK)
- Global Crypto Withdrawal Sequencing Tool (UK Expat Edition) Coming soon
- Temporary Non-Resident Crypto Tax Trap Simulator (UK 5-Year Rule) Coming soon
Core Planning Tools
Essential tools for lifestyle planning and risk assessment. These calculators help you plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
Topics
Hubs that map a retirement question and point you to the right calculators.
Retirement Withdrawal Strategies
Five ways to take money from pensions and ISAs: fixed %, guardrails, buckets, floor and upside, and tax order.
Can I Retire?
Test whether your pot, spending and State Pension timing look tight, workable or comfortable under your assumptions.
State Pension
What the State Pension is, new vs basic, NI years, rates and age, plus the forecast, gap and top-up calculators.
Featured resources
Guides and articles that explore retirement, purpose, health & more.
Should You Pay Off Your Mortgage Before You Retire?
Paying off your mortgage before retirement isn't always best. Compare keeping, reducing or clearing it, with worked examples of payments and savings left.
What would your ideal retirement week cost?
Build a retirement budget from the week you want. Price everyday pleasures, bills and holidays, then test stopping, part-time work or one more year.
Should You Give Your Children Money Now or Leave It as an Inheritance?
Should you give children money now or leave an inheritance? I compare house deposits, gifting rules and how to keep your own retirement safe.
Trust and education
Certified Money First Aider®
These calculators are built by a Certified Money First Aider to help you think more clearly about money and time. Money First Aid® is about practical, non-judgemental support for financial wellbeing. The calculators can certainly help you make informed decisions, but they are not regulated financial advice.
Behind Retirement Calculators
Built from the questions I was asking myself
I'm Ryan, the person behind Retirement Calculators. I started the site after selling an online business and trying to understand what our pensions, ISAs, investments and property actually meant for the way we wanted to live.
The calculators are built around those real decisions: whether you could work less, retire earlier, spend more now or use your money differently. They will not give you a perfect answer, but they can make the trade-offs much easier to see.
Have an idea for a calculator, spotted something that could be clearer, or want to ask me about the site?
Let me help you navigate the road to retirement
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