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
Start with the popular calculators below, or browse by category. Each calculator is designed to work independently, but many complement each other to give you a complete picture of your retirement planning options.
Start with these popular calculators
These tools are the best starting point for understanding your retirement options. They help you find your retirement age, calculate your FIRE number, and compare different strategies.
Early Retirement Feasibility Calculator (FIRE Age Finder)
Discover the earliest age you can retire by modelling your SIPPs, ISAs, GIAs, cash and investment returns. See how your current trajectory affects your FIRE timeline.
25% Tax-Free Lump Sum Calculator
Calculate how much tax-free cash you can take from your pension and see how it affects your remaining pension pot and future income.
FAD vs UFPLS vs Annuity Comparison Tool
Compare Flexible Access Drawdown, Uncrystallised Funds Pension Lump Sum, and Annuity options to find the best withdrawal strategy for your needs.
Coast FIRE Calculator
Work out how much you need invested today so your money can grow to fund retirement later—without any further contributions. Perfect for planning a lower-stress career transition.
Sell vs Keep Your BTL for Retirement Tool
Compare selling your buy-to-let property and investing the proceeds versus keeping it for rental income. Model capital gains tax, rental yields and investment returns.
Longevity Risk Calculator
Model how long your retirement savings might need to last. Understand longevity risk and see how planning for different lifespans affects your retirement strategy.
Cash ISA vs Stocks & Shares ISA Calculator
Compare Cash ISAs and Stocks & Shares ISAs to see which better supports your retirement goals. Model growth rates, risk levels and tax efficiency over time.
Die With Zero Calculator (UK Specific)
Model how to spend your wealth to zero by the end of your life. Balance enjoying your money now with ensuring you don’t run out, optimized for UK tax rules and State Pension.
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
Plan your pension strategy with UK-focused tools. Model SIPPs, workplace pensions, tax-free lump sums and withdrawal strategies to optimise your retirement income.
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.
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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Marginal Tax Rate Calculator (UK)
What is the Marginal Tax Rate Calculator? The Marginal Tax Rate Calculator helps you understand how much tax you really pay on your next pound of income. It goes beyond headline income tax rates to include National Insurance, Student Loan repayments, Child Benefit charges and childcare support cliffs, showing your…
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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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State Pension Forecast Calculator
What is the State Pension Forecast Calculator? The State Pension Forecast Calculator helps you estimate when you are likely to receive the UK State Pension and how much it could be worth over time. It projects future payments using triple lock assumptions and shows how changes to State Pension Age…
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Move Abroad Retirement Affordability Calculator
What is the Move Abroad Retirement Affordability Calculator? The Move Abroad Retirement Affordability Calculator helps you understand whether retiring abroad is financially realistic based on your savings, income and spending. It compares multiple destinations against your finances and shows which locations are affordable, tight or not viable over the long…
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Minimum Pension Retirement Calculator (UK)
What is the Minimum Retirement Pension Calculator? The Minimum Retirement Pension Calculator helps you work out the smallest pension pot you need at pension access age to fund your retirement through to later life. It focuses on minimum viability rather than ideal outcomes, showing what is required to meet your…
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Cash vs Investing Opportunity Cost Calculator (UK)
What is the Cash vs Investing Opportunity Cost Calculator? The Cash vs Investing Opportunity Cost Calculator helps you understand the long-term cost of holding money in cash instead of investing it. It compares cash savings against investing over time and shows how inflation, tax and compounding affect your wealth in…
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Zero-Income Gap-Year Calculator (UK)
What is the Zero-Income Gap Year Calculator? The Zero-Income Gap Year Calculator helps you compare staying in work versus taking a planned year with no income. It shows the financial impact of stepping away from work alongside the potential life value gained, helping you decide whether a gap year is…
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“Can I Afford to Quit?” Early Exit Retirement Calculator
What is the Early Exit Retirement Calculator? The Early Exit Calculator helps you work out whether you can quit full-time work earlier than planned and still fund the rest of your life comfortably. It models your finances from the age you stop working through to later life, showing whether your…
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One More Year Syndrome Calculator (UK)
What is the One More Year Syndrome Calculator? The One More Year Syndrome Calculator helps you compare retiring at your planned age versus working a few more years. It shows the financial benefit of delaying retirement alongside the real cost in lost years of freedom, helping you decide whether “just…
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Firefighters Pension (1992/2006/2015) Retirement Calculator
What is the Firefighters Pension Retirement Calculator? The Firefighters Pension Retirement Calculator helps UK firefighters understand how their pension fits into their wider retirement plan. It models Firefighters’ Pension Schemes alongside personal savings, investments and the State Pension to show whether your retirement income is sustainable over time, all in…
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Police Pension 1987/2006/2015 Retirement Calculator
What is the Police Pension Retirement Calculator? The Police Pension Retirement Calculator helps serving officers and retired police staff understand how their police pension fits into their wider retirement plan. It models the Police Pension Schemes alongside personal savings, investments and the State Pension to show whether your retirement income…
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Public Pension Comparison by Country Calculator
What is the Public Pension Comparison by Country Calculator? The Public Pension Comparison by Country Calculator helps compare how public pension systems typically perform across different countries, using the UK State Pension as a baseline. It provides an illustrative, side-by-side view of how various systems compare in terms of retirement…
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UK County Cost-of-Living & Lifestyle Comparator for Retirees
What is the UK County Cost-of-Living Comparator for Retirees? The UK County Cost-of-Living Comparator for Retirees helps you compare different parts of the UK to see where your retirement budget and lifestyle preferences may stretch furthest. It combines cost of living data with climate, healthcare access, safety, transport and quality-of-life…
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High Income Child Benefit Charge (HICBC) Calculator
What is the High Income Child Benefit Charge (HICBC) Calculator? The High Income Child Benefit Charge Calculator helps UK families understand how much Child Benefit they may have to repay when household income exceeds the HICBC threshold. It shows who is liable, how much of the benefit is lost, and…
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Civil Service Pension Retirement Calculator
What is the Civil Service Pension Calculator? The Civil Service Pension Calculator helps UK civil servants understand how their pension fits into their wider retirement plan. Unlike standard pension calculators that focus only on the scheme itself, this tool models your Civil Service pension alongside the State Pension, personal savings…
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Teacher Pension Scheme (TPS) Retirement Calculator
What is the Teacher Pension Scheme (TPS) Retirement Calculator? The Teacher Pension Scheme Retirement Calculator helps UK teachers understand whether they can afford to retire and how their income will be funded throughout retirement. It models the TPS alongside the State Pension, personal savings and other income to give a…
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Armed Forces (AFPS 75, AFPS 05, AFPS 15) Pension Calculator
What is the Armed Forces Pension Calculator? The Armed Forces Pension Calculator helps serving personnel, veterans and early service leavers understand how their Armed Forces pension works and how it supports retirement income. It models pension entitlement under AFPS 75, AFPS 05 and AFPS 15, shows when payments start, and…
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FIRE Burn Rate Calculator (UK Specific)
What is the FIRE Burn Rate Calculator? The FIRE Burn Rate Calculator helps you understand how your annual spending directly affects your FIRE number and how quickly you can reach financial independence. By tracking your real spending and linking it to your investments and pensions, it shows how small changes…
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Lump Sum Investment Calculator (UK)
What is the Lump Sum Investment Calculator? The Lump Sum Investment Calculator helps you decide how to allocate a large one-off sum of money across UK investment vehicles in the most tax-efficient way. It is designed for situations such as a business sale, inheritance, redundancy payout or other windfall, and…
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Downsizing vs Passing Home to Children Calculator
What is the Downsizing vs Passing Home to Children Calculator? The Downsizing vs Passing Home to Children Calculator helps UK homeowners compare whether it is financially better to downsize and gift equity to their children during life, or keep the family home and pass it on later through inheritance. It…
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FIRE Number Calculator (UK Specific)
What is the FIRE Number Calculator? The FIRE Number Calculator helps you work out how much money you need to reach financial independence and retire early in the UK. It calculates your personal FIRE number based on your spending, income and investment mix, then projects when you could realistically reach…
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NHS Pension Early Retirement Reduction Calculator
What is the NHS Pension Early Retirement Reduction Calculator? The NHS Pension Early Retirement Calculator helps you understand how taking your NHS pension before your Normal Pension Age could permanently reduce your income. By modelling your scheme type, retirement age and expected pension, it shows how early retirement affects both…
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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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Die With Zero Calculator (UK Specific)
What is the Die With Zero Calculator? The Die With Zero Calculator helps you compare a traditional retirement approach with a Die With Zero approach, where spending is prioritised earlier in life when you are most able to enjoy it. The tool models lifetime spending paths, asset run-down, State Pension…