Retirement calculator

Required savings with Pension and ISA access checks

Your details
Pension contributions
ISA contributions
Assumptions
Model defaults

Simple assumptions

  • Targeting 80% of final income at retirement age.
  • Adjusted for 3% inflation & 3% wage growth.
  • The old withdrawal-rate reference is 4%; these income options use the full drawdown model.
  • Your pot grows from 10% at age 20, reducing by 0.1% each year.
  • Growth drops to 5.5% a year from retirement onward.
  • If you retire before 57, your ISA has to cover the gap.
  • From age 67, £12,548 a year reduces what your pots need to provide.
  • The plan needs to last until age 100.

Required savings rate

-- Based on the remaining gap after your current pot is projected forward.

Savings status

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Current saving rate --
End saving rate --
Working-life average --
Required savings rate --
ISA pot at target age --
ISA bridge required at target age --
ISA bridge gap --
Final balance at end age --
Projected Pension + ISA at target age --
ISA at Pension access age --
Combined at Pension access age --
ISA at State Pension age --
Earliest funded retirement --

Estimated retirement income

--

Future pounds --

Today's pounds --

Model details

Compare retirement ages or inspect the yearly cashflow path.

Retirement age Years Required savings Pot gap