UK retirement planning, in today's money
100-year stress test ↓UK RETIREMENT CALCULATOR
See every pot.
Plan every age.
Bring your pension, ISA and general investments together. Add what you'll save before retirement, then map how you'll spend it.
New: 100-year stress testAfter your projection, test whether the plan survived past markets →01
Your timeline
Set when saving ends and retirement begins.
02
Your investments
Enter today's balance, yearly contribution and expected return.
Pension
Usually locked until pension access age
Stocks & shares ISA
Tax-free and accessible
General investment
Used first in retirement
03
Pensions & drawdown
Set pension access and which accessible account to spend first.
The other accessible account is used next, followed by added investment sources, then the pension once available. State Pension reduces the amount withdrawn.
04
Spending by age
Set different annual spending phases after retirement.
YOUR PROJECTION
One retirement.
Every account.
Before retirement, contributions are added to every account. In retirement, the calculator starts with your general investments, follows your chosen order, and uses the pension once accessible.
100-YEAR HISTORICAL STRESS TEST
Would this plan have survived past markets?
Run the retirement part of your plan through every complete 1-year S&P 500 sequence across 100 calendar years, from 1926 to 2025. Returns include reinvested dividends and are adjusted by your inflation assumption.
Add your current age, retirement age and plan-to age to run the historical stress test.