Retirement Calculators
Explore our comprehensive range of UK-focused retirement planning tools. Model ISAs, pensions, property, spending and more to make calmer, better informed decisions about money and time.
Comprehensive Planning Tools
Our calculators cover pensions, ISAs, property, FIRE planning, tax optimisation, and more. Each tool is built specifically for UK tax rules, State Pension, and the unique aspects of UK retirement planning.
How to use these calculators
Browse by category below. Each calculator is designed to work independently, but many complement each other to give you a complete picture of your retirement planning options.
Browse By Calculator Category
Explore calculators by category. Each category page includes featured tools, journey guides, and all calculators in that category.
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.
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.
All Retirement Calculators
Browse all our retirement planning calculators. These tools cover pensions, ISAs, property, FIRE planning, tax optimisation, lifestyle planning, and more. Each calculator is designed specifically for UK tax rules and retirement planning.
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Pension vs ISA Withdrawal Calculator (UK)
See how much of an extra amount you keep in retirement after income tax and the Winter Fuel Payment, and which pot to take it from.
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Triple Lock Change Calculator (UK)
See how much less State Pension you could get if the triple lock changes in April 2030, and what it would cost to save for the difference.
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State Pension Deferral Calculator (UK)
Compare claiming your State Pension straight away with waiting, and see when waiting pays back.
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Annuity Rates Today Calculator (UK)
Compare level, rising and joint annuities side by side.
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Index Fund Comparison Calculator (UK)
Compare index fund and ETF charges, risk scores and past returns, and see what each charge costs in pounds.
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Meeting Tax Calculator (UK)
See how many full-time years a weekly meeting load adds up to, and compare a few ways the years ahead could look.
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Downsize vs Equity Release vs RIO Calculator (UK)
Compare cash now, monthly cost and estate impact from downsizing, equity release (lifetime mortgage) and a Retirement Interest-Only (RIO) mortgage.
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Bucket Strategy Retirement Calculator (UK)
Split your retirement pot into near-term cash, medium-term bonds and long-term growth buckets. See refill maths and runway.
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LISA vs Stocks & Shares ISA Calculator (UK)
Compare a Lifetime ISA with the 25% government bonus against a Stocks and Shares ISA. See end pots, modelled bonuses, and early withdrawal charges.
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Purpose Runway Calculator (UK)
See whether purpose, caring and projects can fill the hours paid work takes once you stop.
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Retirement Tax Planning Calculator (UK)
See how mixing pensions, ISAs and other pots can change take-home, tax and leftover pots over five years.
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Emergency Tax Calculator (UK)
See the impact of emergency tax on a first pension withdrawal, and how much of the extra may come back.
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Guardrails Withdrawal Strategy Calculator (UK)
See how retirement spending can step up or down when your pot drifts past guardrail bands.
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Dream Retirement Lifestyle Builder Calculator (UK)
Estimate annual retirement lifestyle spending from your chosen PLSA band and dream packs.
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Care Home Self-Fund Runway Calculator (UK)
Estimate how long care home fees may last under UK means-test rules for 2026/27.
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Someday Tax Calculator (UK)
Work out which trips get harder if you wait until you stop work.
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Lifestyle Creep Calculator (UK)
See how much of your pay rises became extra spending and how much you kept.
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TFLS Optimiser Calculator (UK)
Compare taking your pension tax-free lump sum at the earliest age, at retirement or in stages.
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Couples’ Retirement Tax Splitter Calculator (UK)
Explore how to split household withdrawals across each partner’s assets in a tax-efficient way.
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Life Weeks Calculator (4000 Weeks) (UK)
See your life as a finite number of weeks, and estimate how many you may have left.
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MPAA Calculator (UK)
Check whether money paid into your workplace or personal pension pots may sit inside or above the lower £10,000 yearly limit.
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Pension Inheritance Tax 2027 Calculator (UK)
Compare how unused pension wealth may be treated for Inheritance Tax today and from 6 April 2027.
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Salary Sacrifice Pension Calculator (UK)
Estimate how much extra salary sacrifice could cost from take-home pay, and how much extra could reach your pension.
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The 4% Rule Calculator (UK)
Estimate either the retirement pot you may need or the annual income your existing pot could provide.