How much money do you need to bridge to retirement?
Discover how our interactive tool can help you map out exactly how long your savings will last and how much you need to earn to get to retirement. This is specific to the UK market.
How the Calculator Works?
Understand how much of a ‘bridge’ you need to reach pension age. Make the right decisions with your life and work via our Bridge to Retirement calculator.
Step One: Define the Gap
Tell us your target pension age and income. The tool calculates the years to bridge and your annual shortfall.
Step Two: Build the Bridge
Mix and match options—part-time work, ISA drawdowns, cash buffer, rental income, reducing spend—to see how each fills the gap year by year.
Step Three: Stress-Test & Act
Toggle scenarios (markets, inflation, lumpy costs) to add safety rails, then lock in a clear action plan to cross the bridge with confidence.
What does retirement mean to you?
Traditional retirement is broken. Understand how our calculator enables you to live a better life now vs later.
Retire from corporate work?
Use the tool to utilise how you can step away from the corporate world and live life on your own terms.
Work less, live more
See how part-time or project-based work can bridge your income gap while giving you more time for life.
Freedom through planning
Understand how your savings, spending and investments can work together to buy back your time.
Test-drive retirement early
Model scenarios that let you experience elements of retirement before fully stepping away.
What is the Bridge to Retirement calculator?
Discover how to fund the years between leaving full-time work and accessing your pension. The Bridge to Retirement calculator helps you model income, spending, and lifestyle choices to create a realistic path to financial freedom.
How does the Bridge to Retirement tool work?
It helps you evaluate your current finances and map out steps toward a secure retirement. For anyone looking to retire early, the bridge is crucial.
Who can benefit from using this calculator?
Perhaps you had a business sale, an inheritance or have invested well. The tool can help you see how long your money will last in typical drawdown scenarios.
What information do I need to use the tool?
Basic details about your income, savings, and retirement goals.
Is my data secure when using the calculator?
Yes, none of the data is saved and is populated via math modelling only.