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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State Pension Gap Calculator
See how many National Insurance years you currently have, how many you’ll have by State Pension age, and whether you are on track for the full new State Pension.
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Longevity Risk Calculator (UK Specific)
Understand whether your money will outlive you and whether delaying life today comes at the cost of your best, healthiest years.
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Career Break Affordability Calculator (UK Specific)
See whether you can take 6–36 months off work without harming your long-term retirement plans.
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Geo-Arbitrage Early Retirement Calculator
See how moving to a lower-cost area of the UK can bring your retirement or FIRE date forward.
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ETF vs Managed Portfolio Fees Calculator
Compare a low-cost global index fund with a typical managed portfolio charging 1–2% a year, and see how fees compound over time.
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Retirement Drawdown Planner (UK)
The Retirement Drawdown Planner helps you model how your cash, pensions, ISAs and investments can support you throughout retirement.
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Working Part-Time Impact On Retirement Calculator (UK Specific)
See how switching from full-time work to part-time work can bring a more balanced lifestyle without sacrificing your long-term retirement goals.
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Coast Fire Calculator (UK Specific)
Estimate how much you’d need invested today for your portfolio to grow to your desired retirement income.
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Lean vs Barista vs Fat FIRE Comparison (UK)
Compare Lean FIRE (minimalist), Barista FIRE (part-time work) and Fat FIRE (comfort-focused) to see how much wealth each lifestyle needs.
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Overpaying the Mortgage vs Investing
Compare overpaying your mortgage with investing spare cash in an ISA or pension, and see which builds more wealth by retirement.
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Early Retirement Calculator (UK FIRE)
See the age you could reach financial independence, and how your pensions, ISAs, other investments, cash and rental income could fund early retirement.
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Bridge to Retirement Calculator (UK)
Work out how much you need to bridge the years between stopping work and your pensions starting, and how long your savings will last.