Retirement calculator

Whether your pension is on course for the income you want, and the size of any gap.

Your age

Age you want to retire

Pension and investments so far (£)

Paid in each month, with your employer’s share (£)

Yearly income you want, in today’s money (£)

Yearly growth after inflation and fees (%)

Share of your pot you’d draw each year (%)

State pension a year (£)

Your pot at retirement, in today’s money

£0

Income a year, with state pension

Income a month

Against your target

The 4% figures are assumptions for you to change. The default state pension is the full new rate for 2026/27, £241.30 a week, and you’ll only get it with enough qualifying years.

Where next

PensionsThe whole topic Your workplace pension probably isn’t halal by default. Don’t opt out yet.Pensions · 2 min read ISA or pension: where should your investments live?Investing · 2 min read

Capital at risk. Investments can fall as well as rise, and you could get back less than you put in. Past performance is no guide to the future. Nothing here is a recommendation to buy any fund or platform.

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