Core Planning Tools Calculators
Essential tools for tax optimisation, lifestyle planning, and risk assessment. These calculators help you understand your tax position, plan your spending, and assess how robust your retirement plan is.
💼UK Tax Efficiency
UK tax rules offer various allowances and tax-efficient wrappers to help you keep more of your returns. These calculators help you understand your marginal tax rate, compare pension vs ISA strategies, and optimise your tax position.
📊How these calculators help
Our Core Planning Tools cover tax optimisation, lifestyle planning, and risk assessment. They help you understand your tax position, plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
Start with these popular calculators
These six tools are the best starting point for understanding your tax position, planning your spending, and assessing retirement risks. They help you optimise your strategy and see how robust your plan is.
How much do I need to retire at 60?
A target pot for stopping at 60, not a generic FIRE number.
Probability of Running Out of Money Calculator
A chance, not a guarantee, that the pot runs out.
All Core Planning Tools calculators
Browse all Core Planning Tools calculators. These tools help you understand your tax position, plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
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Bucket Strategy Retirement Calculator (UK)
What is the Bucket Strategy Calculator? A bucket strategy splits your retirement money according to roughly when you expect to need it. You keep money for the next few years in cash, another chunk for the medium term in bonds, and leave the rest invested for longer-term growth. The idea…
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LISA vs Stocks & Shares ISA Calculator (UK)
What is the LISA vs Stocks & Shares ISA Calculator? A Lifetime ISA gives you something a normal Stocks & Shares ISA does not: a 25% government bonus on eligible contributions. But that bonus comes with tighter rules around when and why you can take the money out. This calculator…
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Guardrails Withdrawal Strategy Calculator (UK)
What is the Guardrails Withdrawal Strategy Calculator? Most people take the same amount from their pot every year, even if it has grown or shrunk. Guardrails change that. Each year they check your spending against what is left. If you are using a much smaller or much larger share…
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Lifestyle Creep Calculator (UK)
What is the Lifestyle Creep Calculator? The Lifestyle Creep Calculator shows what happened as your salary increased over time. Enter your major pay rises and estimate how much of each increase became extra spending. The calculator then shows how much you kept, what that money could grow into if invested,…
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Can I retire at 60 with £500k? (UK)
Is it feasible to retire at 60 with £500k? Retiring at 60 with a £500k pot is a realistic question for many UK households, but the answer depends on how much you plan to spend each year, what other income you have, and how long your money needs to last.…
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Can I retire at 55 with £300k? (UK)
Is it feasible to retire at 55 with £300k? Retiring at 55 with a £300k pot is an ambitious goal, and for many people the maths is tighter than retiring a few years later. At 55 you may still be two years away from pension access, so the calculator models…
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Can I retire at 55 with £1m? (UK)
Is it feasible to retire at 55 with £1,000,000? A £1m retirement pot at 55 puts you in a stronger position than most UK households, but it does not automatically mean financial freedom. How far that money goes still depends on your annual spending, how your pot is split between…
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Can I retire at 62 with £750k? (UK)
Is it feasible to retire at 62 with £750k? Retiring at 62 with a £750k pot is a common late-career question: you are close enough to feel ready, but not sure whether going now is wise or whether a few more working years would make the plan safer. At 62…
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How much do I need to retire at 60? (UK)
Is it feasible to retire at 60 and how much will I need? If you know you want to retire at 60 but are not sure what pot size to aim for, this page helps you work towards an answer. Enter your current savings (or a rough starting figure), your planned spending, and…
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Can I retire at 58 with £400k? (UK)
Is it feasible to retire at 58 with 400k? Retiring at 58 with a £400k pot sits in a common sweet spot: earlier than the classic 60, but not as stretched as stopping at 55. By 58 you can usually access your pension (typically from 57), so the early-retirement bridge…
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Can I Retire Calculator (UK)
When is it feasible for you to retire? The Can I Retire Calculator helps you estimate whether your current savings, pensions, investments, and future income may be enough to support retirement at your chosen age. By combining your retirement pot, expected spending, State Pension, and other key assumptions, the calculator…
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Retirement Countdown Calculator (UK)
What is the Retirement Countdown Calculator? The Retirement Countdown Calculator helps you see how many working days you have left until your planned retirement age. Rather than focusing on pension values or investment returns, it focuses on something more tangible: time. By taking your age, retirement target, working pattern, holidays,…
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Financial Runway Calculator (UK)
What is the Financial Runway Calculator? The Financial Runway Calculator helps you estimate how long your accessible money could last while you explore a life or career change. It is designed for people thinking about a sabbatical, part-time work, retraining, starting a business, or simply creating more breathing room. By…
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The Latte Factor Calculator (UK)
What is The Latte Factor Calculator? The Latte Factor Calculator helps you see how a small regular spend could grow if you redirected it into investing instead. It takes a daily amount, turns it into a monthly investment, and projects how it could build over time through compound growth. This…
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Retirement Planning Calculator (UK)
What is the Retirement Planning Calculator? The Retirement Planning Calculator helps you determine how much you need to save for retirement by combining savings projection with needs analysis. It shows whether you’re on track to meet your retirement goals and calculates exactly how much you need to contribute each month…
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Single vs Couple Retirement Spending Calculator (UK)
What is the Single vs Couple Retirement Spending Calculator? The Single vs Couple Retirement Spending Calculator helps you understand how retirement finances differ when planning as a single person, as a couple, and in the event that circumstances change later in life. It shows how spending, assets and income evolve…
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Inflation Impact on Long-Term Spending Calculator
What is the Inflation Impact on Long-Term Spending Tool? The Inflation Impact on Long-Term Spending Tool shows how inflation affects your spending over time. It projects how today’s spending grows in future pounds, highlights the cumulative cost across decades, and compares different inflation assumptions so you can see how small…
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Probability Of Running Out Of Money Calculator
What is the Probability of Running Out of Money Calculator? The Probability of Running Out of Money Calculator helps you understand how likely it is that your retirement savings could be exhausted during your lifetime. By modelling your pensions, investments, property income and spending across many possible market outcomes, it…
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Mortality Curve Forecaster (UK Specific)
What is the Mortality Curve Forecaster? The Mortality Curve Forecaster uses the latest UK ONS mortality data and your lifestyle factors to estimate personalised survival probabilities across the rest of your life. It helps you understand the range of ages you might reasonably plan for, supporting better decisions around retirement…
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Living Costs in Retirement Estimation Calculator (UK Specific)
Living costs in retirement utilising the PLSA Retirement Living Standards baseline The Living Costs in Retirement Estimation Calculator helps you understand how much money you may need each year during retirement. Using the PLSA Retirement Living Standards or your own custom spending assumptions, it provides you with a clear picture…
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Lumpy Returns Calculator (UK Specific)
What is the Lumpy Returns Retirement Calculator? The Lumpy Returns Calculator helps you understand how real-world, non-linear investment returns affect the growth of your pension, ISA, GIA and Buy to Let equity. By modelling a realistic series of volatile returns next to a smooth average return, it shows how the…
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Compound Interest Comparison Calculator (UK)
What is the Compound Interest Comparison Calculator? The Compound Interest Comparison Calculator helps you see how your savings could grow over time under different combinations of time horizon and growth rate. By modelling your starting pot, monthly contributions, and several scenarios side by side, it shows how powerful compound growth…
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Longevity Risk Calculator (UK Specific)
What is the Longevity Risk Calculator? The Longevity Risk Calculator helps you understand whether your money will outlive you and whether delaying life today comes at the cost of your best, healthiest years. It shows how different retirement ages, spending levels and income sources affect the balance between “time you…
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Bridge to Retirement Calculator (UK)
How much money do you need to bridge to retirement? Discover how our interactive tool can help you map out exactly how long your savings will last and how much you need to earn to get to retirement. This is specific to the UK market. How the Calculator Works? Understand…