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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FIRE Burn Rate Calculator (UK Specific)
Understand how your annual spending directly affects your FIRE number and how quickly you can reach financial independence.
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Lump Sum Investment Calculator (UK)
Decide how to allocate a large one-off sum of money across UK investment vehicles in the most tax-efficient way.
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Downsizing vs Passing Home to Children Calculator
Compare whether it is financially better to downsize and gift equity now, or pass your home on later.
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FIRE Number Calculator (UK Specific)
Work out how much money you need to reach financial independence and retire early in the UK.
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NHS Pension Early Retirement Reduction Calculator
Understand how taking your NHS pension before your Normal Pension Age could permanently reduce your income.
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Probability Of Running Out Of Money Calculator
Understand how likely it is that your retirement savings could be exhausted during your lifetime.
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Die With Zero Calculator (UK Specific)
Compare a traditional retirement approach with a Die With Zero approach, where spending is prioritised earlier in life.
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Cash ISA vs Stocks & Shares ISA Calculator
Compare the long-term growth potential of saving in a Cash ISA versus investing in a Stocks and Shares ISA.
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25% Tax Free Lump Sum Calculator
The 25% Tax Free Lump Sum Calculator helps you estimate how much tax-free cash you can take from your UK pension under current Lump Sum Allowance rules.
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FAD vs UFPLS vs Annuity Comparison Tool
Understand how three common UK pension withdrawal methods compare.
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Property Leverage Calculator
Model how sensible leverage could help you buy more properties and grow your portfolio.
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Buy-to-Let Retirement Income Calculator
Understand how much annual retirement income your rental property or portfolio can realistically provide.
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Semi-Retirement Cashflow Calculator
Model your transition from full-time work into a lower-income, more balanced semi-retired lifestyle.
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Crypto International Geo-Arbitrage Calculator
Explore how moving abroad could change the tax treatment of your crypto assets.
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Pension Carry Forward & Annual Allowance Calculator (UK Specific)
See how much you can pay into your pension this year, including unused allowance from the previous three tax years.
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Mortgage Payoff Calculator (UK Specific)
See how making overpayments on your UK mortgage can accelerate your payoff date and reduce total interest paid.
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Mortality Curve Forecaster (UK Specific)
Estimate personalised survival probabilities from the latest ONS mortality data and your lifestyle factors.
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Inheritance & Gifting Calculator (UK Specific)
The Inheritance and Gifting Calculator shows how future inheritances and planned lifetime gifts may affect your retirement timeline and potential UK inheritance tax.
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Safe Withdrawal Rate (SWR) Stress Tester Calculator (UK Specific)
See how long your retirement pot could last across thousands of simulated market paths, based on your spending.
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Living Costs in Retirement Estimation Calculator (UK Specific)
The Living Costs in Retirement Estimation Calculator helps you understand how much money you may need each year during retirement.
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Downsizing Your Property In Retirement Calculator
The Downsizing Your Property In Retirement Calculator helps you see the financial impact of selling your current home and moving to a cheaper, lower-cost property.
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Lumpy Returns Calculator (UK Specific)
Understand how real-world, non-linear investment returns affect the growth of your pension, ISA, GIA and Buy to Let equity.
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Compound Interest Comparison Calculator (UK)
See how your savings could grow over time under different combinations of time horizon and growth rate.
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Sell vs Keep Your BTL(s) In Retirement Calculator
Compare the long-term income you could receive from selling your rental properties today versus keeping them for rental income and selling later.