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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DB Pension CETV Transfer vs Stay Simulator (UK)
Compare two retirement paths: keeping your defined benefit (DB) pension or transferring out.
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Barista Fire Calculator (UK)
Explore whether semi-retirement could work for you in the UK.
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Lifetime Mortgage Drawdown vs Lump Sum Calculator (UK)
Compare two ways of releasing money from your home.
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Downsizing vs Equity Release Projection Calculator (UK)
Compare two common retirement housing options: downsizing, or staying in your current home with equity release.
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Equity Release Calculator (UK)
Estimate how much cash you may be able to release from your home and how it could affect you.
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Redundancy Payment Early Retirement Calculator (UK)
Work out whether redundancy could become a route into early retirement.
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Fat Fire Calculator (UK)
Calculate how much you need and when you could retire in the UK with a comfortable, lifestyle-focused retirement.
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Lean Fire Calculator (UK)
Work out how much you need to save and when you could reach financial independence in the UK with a lower spending target.
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Rent vs Buy In Retirement Calculator (UK)
Compare two retirement housing strategies: staying in your home or selling, renting and investing the released equity.
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Retire Abroad Tax Impact Calculator (UK)
Compare how retirement tax outcomes may differ across countries.
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Nomadic Retirement Calculator
Model a flexible retirement built around location independence, lower fixed costs and phased work.
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Retirement Spending Calculator (UK)
Track, adjust and project your retirement spending across key categories, using UK cost-of-living benchmarks.
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Retirement Risk Calculator (UK)
Check whether your pension pot is likely to last to your chosen age, and see the key risks that could derail your plan.
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Retirement Savings Catch-Up Calculator (UK)
Work out how much you need to save each month to reach your retirement target if you’re behind.
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Pension Drawdown vs Annuity Calculator (UK)
Compare two main retirement income options: buying an annuity or using pension drawdown.
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Time to Financial Independence Calculator (UK)
Calculate how many years until you reach financial independence (FI).
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SIPP Contribution Calculator (UK)
Calculate your Self-Invested Personal Pension (SIPP) contributions and optimise your tax relief.
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Retirement Income Replacement Ratio Calculator (UK)
Determine what percentage of your pre-retirement income you’ll need in retirement.
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Retirement Withdrawal Strategy Calculator (UK)
Plan the optimal withdrawal sequence from your different retirement account types.
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Workplace Pension Contribution Calculator (UK)
Understand your workplace pension contributions, including how much you and your employer pay and more.
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Retirement Income Calculator (UK)
Add up all your retirement income sources to see your total income, tax position and net income after tax.
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Pension Account Growth Calculator (UK)
Project how your pension pot could grow from today until you stop contributing.
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Retirement Planning Calculator (UK)
Determine how much you need to save for retirement by combining savings projection with needs analysis.
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Hybrid Pension (DB + DC) Retirement Calculator (UK)
Plan retirement when your income comes from a mix of pension schemes.