Core Planning Tools Calculators
Essential tools for tax optimisation, lifestyle planning, and risk assessment. These calculators help you understand your tax position, plan your spending, and assess how robust your retirement plan is.
💼UK Tax Efficiency
UK tax rules offer various allowances and tax-efficient wrappers to help you keep more of your returns. These calculators help you understand your marginal tax rate, compare pension vs ISA strategies, and optimise your tax position.
📊How these calculators help
Our Core Planning Tools cover tax optimisation, lifestyle planning, and risk assessment. They help you understand your tax position, plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
Start with these popular calculators
These six tools are the best starting point for understanding your tax position, planning your spending, and assessing retirement risks. They help you optimise your strategy and see how robust your plan is.
How much do I need to retire at 60?
A target pot for stopping at 60, not a generic FIRE number.
Probability of Running Out of Money Calculator
A chance, not a guarantee, that the pot runs out.
All Core Planning Tools calculators
Browse all Core Planning Tools calculators. These tools help you understand your tax position, plan your spending, assess longevity risk, and see how robust your retirement plan is under different scenarios.
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Bucket Strategy Retirement Calculator (UK)
Split your retirement pot into near-term cash, medium-term bonds and long-term growth buckets. See refill maths and runway.
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LISA vs Stocks & Shares ISA Calculator (UK)
Compare a Lifetime ISA with the 25% government bonus against a Stocks and Shares ISA. See end pots, modelled bonuses, and early withdrawal charges.
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Guardrails Withdrawal Strategy Calculator (UK)
See how retirement spending can step up or down when your pot drifts past guardrail bands.
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Lifestyle Creep Calculator (UK)
See how much of your pay rises became extra spending and how much you kept.
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Can I retire at 60 with £500k? (UK)
See whether a £500k pot could fund retirement at 60, based on your yearly spending, other income and how long the money needs to last.
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Can I retire at 55 with £300k? (UK)
See whether £300k could fund retirement at 55, including the bridge years before you can take your pension.
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Can I retire at 55 with £1m? (UK)
See how far a £1m pot could go if you retire at 55, depending on your spending and how it is split between pensions, ISAs and cash.
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Can I retire at 62 with £750k? (UK)
See whether £750k is enough to retire at 62, or whether a few more working years would make the plan safer.
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How much do I need to retire at 60? (UK)
Work out what pot size you might need to retire at 60, based on your savings, planned spending and any State Pension or DB pension.
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Can I retire at 58 with £400k? (UK)
See whether a £400k pot could fund retirement at 58, based on your spending and other income.
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Can I Retire Calculator (UK)
The Can I Retire Calculator helps you estimate whether your savings, pensions, and investments may be enough to support retirement at your chosen age.
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Retirement Countdown Calculator (UK)
See how many working days you have left until your planned retirement age.
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Financial Runway Calculator (UK)
Estimate how long your accessible money could last while you explore a life or career change.
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The Latte Factor Calculator (UK)
See how a small regular spend could grow if you redirected it into investing instead.
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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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Single vs Couple Retirement Spending Calculator (UK)
Understand how retirement finances differ when planning as a single person or as a couple.
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Inflation Impact on Long-Term Spending Calculator
See how inflation affects your spending over time.
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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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Mortality Curve Forecaster (UK Specific)
Estimate personalised survival probabilities from the latest ONS mortality data and your lifestyle factors.
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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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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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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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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.