Important: This tool provides general guidance only and does not constitute regulated financial advice. Projections use simplified assumptions and are illustrative. For personal advice tailored to your circumstances, consult an FCA-regulated financial adviser.
How It Works
Three simple steps
Enter your details, see your projections, and understand your options.
1. Enter Your Details
Tell us about your pensions, savings, and what you'd like retirement to look like.
2. See Your Scenarios
We model cautious, moderate and optimistic projections so you can plan for a range of outcomes.
3. Understand Your Gap
See clearly whether you're on track, and what levers you could pull to improve your position.
Important: This tool provides general guidance only and does not constitute regulated financial advice. Projections use simplified assumptions and are illustrative.
Your Dashboard
Retirement Readiness
Fill in each section below. The more detail you provide, the more useful your projections will be.
About You
Basic details to set up your projections.
Your Pensions
Add each pension you hold. You can add as many as you need.
State Pension
Check your state pension forecast at gov.uk/check-state-pension.
Full new State Pension is £11,502/year (2024/25). Enter your personal forecast if you have it.
Check yours at gov.uk/state-pension-age
Other Savings & Investments
ISAs, general investment accounts, cash savings. Exclude your main home.
Other Income Sources
Any other income you expect in retirement (rental income, part-time work, etc).
Leave blank if none.
Your Retirement Goal
How much income would you like in retirement, and what does your housing look like?
Optional but helps give you a fuller picture. Enter monthly amounts.
Council tax, energy, water, broadband
Projected Annual Retirement Income
Three scenarios based on different real growth assumptions, shown in today's money.
Cautious (2% real)
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Moderate (4% real)
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Optimistic (6% real)
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Income Breakdown (Moderate Scenario)
Where your projected retirement income comes from.
Expenses vs Income
Your estimated annual expenses compared to projected income.
Key Assumptions
This model uses simplified assumptions for illustration only.
Drawdown rate
4% per year
Growth rates (real, after inflation)
2% / 4% / 6%
Savings growth (real)
2%
State Pension
As entered (today's value)
What you might consider next
Reminder: These projections are for general guidance only and are based on simplified assumptions. They do not constitute regulated financial advice. Your actual retirement income will depend on many factors not modelled here, including investment performance, inflation, tax, and changes to legislation. For advice tailored to your circumstances, please consult an FCA-regulated financial adviser.
Important: This tool provides general guidance only and does not constitute regulated financial advice.
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