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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Can I retire at 60 with £500k? (UK)
See whether a £500k pot could fund retirement at 60, based on your yearly spending, other income and how long the money needs to last.
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Can I retire at 55 with £300k? (UK)
See whether £300k could fund retirement at 55, including the bridge years before you can take your pension.
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Can I retire at 55 with £1m? (UK)
See how far a £1m pot could go if you retire at 55, depending on your spending and how it is split between pensions, ISAs and cash.
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Can I retire at 62 with £750k? (UK)
See whether £750k is enough to retire at 62, or whether a few more working years would make the plan safer.
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How much do I need to retire at 60? (UK)
Work out what pot size you might need to retire at 60, based on your savings, planned spending and any State Pension or DB pension.
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Can I retire at 58 with £400k? (UK)
See whether a £400k pot could fund retirement at 58, based on your spending and other income.
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Can I Retire Calculator (UK)
The Can I Retire Calculator helps you estimate whether your savings, pensions, and investments may be enough to support retirement at your chosen age.
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Pension Drawdown Tax Calculator (UK)
See how pension withdrawals may translate into taxable income, net income, and remaining value during retirement.
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Crypto Tax Record-Keeping & CARF Readiness Calculator (UK)
Check whether your crypto records are organised well enough for Self Assessment.
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Tax-Year End Allowance Optimiser Calculator (UK)
See which UK tax allowances you may still have available before the tax year ends on the 5th of April.
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Capital Gains Harvesting / Bed-and-ISA Calculator (UK)
See how much of a taxable investment portfolio could be sold, re-wrapped into an ISA and kept within Capital Gains Tax allowances.
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Retirement Countdown Calculator (UK)
See how many working days you have left until your planned retirement age.
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Bullshit Jobs Calculator (UK)
Estimate how much of your paid work feels pointless.
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Buy, Borrow, Die Calculator (UK)
Compare borrowing against investments with selling investments over time to fund spending.
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Home Bias vs Global Equity Calculator (UK)
Compare UK-biased investing with global stock investing.
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ISA Regular Contributions Calculator (UK)
Estimate how regular monthly investing into a Stocks and Shares ISA could build up over the rest of the year.
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ISA Millionaire Timeline Calculator (UK)
See how long it could take to reach £1 million using a Stocks and Shares ISA.
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Financial Runway Calculator (UK)
Estimate how long your accessible money could last while you explore a life or career change.
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State Pension NI Top-Up Breakeven Calculator (UK)
Explore whether paying for missing National Insurance years could increase your State Pension.
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The Latte Factor Calculator (UK)
See how a small regular spend could grow if you redirected it into investing instead.
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Pension Tax Relief Calculator (UK)
Compare the real cost and long-term impact of the three main ways to contribute to a pension.
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How Can I Make a Million Pounds Calculator (UK)
See how you might build a £1 million portfolio using different investment strategies.
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Business Sale Retirement Calculator (UK)
Explore whether the proceeds from selling a business could support your retirement plans.
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GIA vs ISA vs Pension Comparison Calculator (UK)
Compare three common UK investment wrappers using the same annual saving habit.