What does this tool do?

The UK Retirement Planner estimates how much net income you could sustainably draw each year from your pension pot, ISA, and other savings, from a chosen retirement age through to the end of a planning horizon.

Is this financial advice?

No. This tool is for illustrative planning purposes only and does not constitute financial advice. You should consult a qualified financial adviser before making retirement decisions.

How is the State Pension handled?

You enter your expected State Pension age and annual amount. The tool adds this income from that age onward, reducing how much you need to draw from private assets. The defaults are based on the current full new State Pension, but your actual entitlement may differ.

What tax rules does the calculator use?

The tool applies current UK income tax bands and rates (Personal Allowance, basic, higher, and additional rate) to estimate your net income after tax. ISA withdrawals are assumed to be tax-free. Tax rules change over time, so projections far into the future should be treated as rough estimates.

What is the 25% tax-free lump sum?

Under current UK rules you can normally take up to 25% of your defined-contribution pension pot as a tax-free lump sum. The tool models this by treating the first 25% of pension withdrawals as tax-free and taxing the remainder as income.

What growth and inflation rates are used?

You can set your own assumptions for investment growth rate and inflation rate in the input panel. The defaults are illustrative starting points. All projections are shown in nominal terms unless stated otherwise.

Is my data stored?

No. All calculations run entirely in your browser. Your financial inputs are never sent to a server or stored anywhere. The only data the site stores is optional anonymous feedback (thumbs up/down and comments).

Can I use this on my phone?

Yes. The planner is fully responsive and works on mobile, tablet, and desktop browsers.