Retirement Savings Calculator
Find out if you're saving enough for retirement. Enter your current savings, monthly contributions, and years to retirement to see your projected pot and annual income.
Retirement Planning
The 4% Rule
The 4% rule suggests withdrawing 4% of your retirement pot annually — this has historically allowed a portfolio to last 30 years in most market conditions. A £500,000 pot provides £20,000/year at 4%. This is a starting guide, not a guarantee.
State Pension
UK state pension (2024): £11,502/year for full entitlement (35 qualifying NI years). This should be added to your private pension income calculation. Check your state pension forecast on the government website.
Inflation in Retirement
A pension income that feels comfortable at 65 may not at 85. Build in annual increases — most annuities and pension drawdown strategies should account for 2–3% annual increases to maintain purchasing power over a 25–30 year retirement.
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