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 optimization, 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)
What is the State Pension Deferral Calculator? The State Pension Deferral Calculator helps you explore what happens if you delay claiming your State Pension. Instead of taking the pension as soon as you reach State Pension age, you can leave it unclaimed for a period. Depending on the rules that…
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Annuity Rates Today Calculator (UK)
What is the Annuity Rates Today Calculator? The Annuity Rates Today Calculator gives a model estimate of what open-market annuity rates could pay you this week, and what each type of annuity does to your starting income. An annuity swaps some or all of your pension pot for a guaranteed…
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Index Fund Comparison Calculator (UK)
What is the Index Fund Comparison Calculator? The Index Fund Comparison Calculator helps you compare the yearly charges, risk scores and past returns of popular index funds and ETFs, and see what each charge costs you in pounds. Index funds follow a market rather than trying to pick winners. Two…
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Meeting Tax Calculator (UK)
What is the Meeting Tax Calculator? The Meeting Tax Calculator helps you see how much of your working life goes on meetings. A few hours of meetings each week might not feel like much. Stretch them across a career and they can add up to years of working time.…
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Downsize vs Equity Release vs RIO Calculator (UK)
What is the Downsize vs Equity Release vs RIO Calculator? Your home might be one of your biggest assets in retirement. The difficult bit is working out how, or whether, you want to use some of that value. This calculator compares three routes: selling and buying somewhere cheaper, taking a…
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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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Purpose Runway Calculator (UK)
What is the Purpose Runway Calculator? The Purpose Runway Calculator helps you sketch current purpose beside paid work, then what you are freeing time for once work reduces or stops. Open time for appointments and errands is welcome. Purpose can be quieter or social. Hours you already do sit beside…
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Retirement Tax Planning Calculator (UK)
What is the Retirement Tax Planning Calculator? The Retirement Tax Planning Calculator helps you see how mixing different pots can change the tax you pay once you start drawing. State Pension and a final-salary pension already use your tax-free allowance. The usual 25% tax-free share of a pension pot, money…
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Emergency Tax Calculator (UK)
What is the Emergency Tax Calculator? The Emergency Tax Calculator is a simple tool that shows the impact of emergency tax on a first pension withdrawal. When a provider has no tax code for you, they often tax that payment as if it were one month of a repeating salary.…
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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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Dream Retirement Lifestyle Builder Calculator (UK)
What is the Dream Retirement Lifestyle Builder? The Dream Retirement Lifestyle Builder helps you turn a Pensions and Lifetime Savings Association (PLSA) lifestyle band into a retirement number that feels like your own. The PLSA publishes the UK Retirement Living Standards: Minimum, Moderate and Comfortable for one-person and two-person households.…
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Care Home Self-Fund Runway Calculator (UK)
What is the Care Home Self-Fund Runway Calculator? If you or someone you love may need a care home later, the big question is simple: how long could savings cover the fees before the local authority means test kicks in? This calculator helps you sketch that runway. It is a…
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Someday Tax Calculator (UK)
What is the Someday Tax Calculator? The Someday Tax Calculator helps you work out which trips and experiences may be worth doing sooner rather than leaving everything until retirement. It looks at your age, stop-work age, trip list, costs and the energy each experience may need. The calculator then separates…
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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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TFLS Optimiser Calculator (UK)
What is the Tax-Free Lump Sum Optimiser? The Tax-Free Lump Sum Optimiser compares when you could take your pension tax-free lump sum, often shortened to TFLS. It tests taking the TFLS at the earliest available age, waiting until retirement, or taking it in stages. It then ranks the strategies based…
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Couples’ Retirement Tax Splitter Calculator (UK)
What is the Couples Retirement Drawdown Calculator? The Couples Retirement Drawdown Calculator helps retired couples explore how to split household withdrawals across each partner’s pensions, ISAs, General Investment Accounts and cash. It starts with the household spending target for this year, then estimates where the money could come from, the…
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Life Weeks Calculator (4000 Weeks) (UK)
What is the Life Weeks Calculator? The Life Weeks Calculator helps you see your life as a finite number of weeks. If you are fortunate to live to around 80, that works out at roughly 4,000 weeks. The calculator estimates how many weeks you may have left and how much…
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MPAA Calculator (UK)
What is the MPAA Calculator? The MPAA Calculator helps you check whether money paid into your workplace or personal pension pots may sit inside or above the lower yearly limit that can apply after taxable pension access. MPAA stands for Money Purchase Annual Allowance. In simple terms, if you have…
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Pension Inheritance Tax 2027 Calculator (UK)
What is the Pension Inheritance Tax Calculator 2027? The Pension Inheritance Tax Calculator 2027 helps you understand how unused pension wealth may be treated for Inheritance Tax from 6 April 2027. It compares today’s position with the 2027 rules, where most unused pension funds and pension death benefits are expected…
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Salary Sacrifice Pension Calculator (UK)
What is the Salary Sacrifice Pension Calculator? The Salary Sacrifice Pension Calculator helps you estimate how much extra pension sacrifice could cost from take-home pay, how much extra could reach your pension, and whether it could bring your retirement target closer. It is designed for UK employees who are thinking…
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The 4% Rule Calculator (UK)
What is the 4% Rule Calculator? The 4% Rule Calculator helps you estimate either how much you may need to retire or how much income your existing retirement pot could potentially provide each year. Based on the well-known 4% rule, it offers a quick way to sense-check your retirement plans.…