Is the free retirement planner accurate?

The planner gives an estimate based on the figures you enter. Real returns, inflation and life expectancy vary. Use it for illustration and consider speaking to a financial adviser for a full retirement plan.

What growth rate should I use for retirement planning?

Many people use 4–6% a year for a mixed pension fund; returns are not guaranteed. Use a conservative rate (e.g. 3–4%) for cautious planning.

Free Retirement Planner

Plan your retirement with this free UK planner. Project your pension pot with current savings, monthly contributions and growth. All in GBP.

Current pension pot (£)

Monthly contribution (£)

Years to retirement

Assumed annual growth (%)

Desired annual income in retirement (£, optional)

We'll check if your pot could support this at 4% withdrawal.

How to use this retirement planner

Enter your current pension pot, how much you pay in each month, years until retirement and an assumed growth rate. The planner shows a projected pot at retirement. Optionally enter a desired annual income to see if your pot could support it using a 4% withdrawal rule. This is for illustration only; get regulated advice for your situation.

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