UK Retirement Calculator

Step 1: Basic Information

Your Information

Your current age

Birth year

NI qualifying years

UK Region

Target retirement age

Desired annual income (£)

Life expectancy

Include partner information

Partner's Information

Partner's current age

Partner's target retirement age (optional)

Partner's birth year

Partner's NI qualifying years

Step 2: Your Pension Pots

Add all your current pensions, savings, and expected lump sums

Pot name

Type

Owner

Current Value (£)

Annual Contrib. (£)

Fee (%)

Pot name

Type

Owner

Current Value (£)

Annual Contrib. (£)

Fee (%)

Pot name

Type

Owner

Receive Age

Future Amount (£)

Pot name

Type

Owner

Receive Age

Future Amount (£)

Pot name

Type

Owner

Start Age

Annual Income (£)

Pot name

Type

Owner

Current Value (£)

Annual Contrib. (£)

Fee (%)

Step 3: Lifecycle Planning (Optional)

Plan for state pension deferral, part-time work, and long-term care

State Pension Deferral

Defer your state pension to receive a higher amount (~5.8% increase per year)

Age to start taking state pension (leave blank for standard SPA)

Deferring to age 70 increases your pension by ~18% for life

Phased Retirement (Part-Time Work)

Plan to work part-time in early retirement for bridge income

Your annual part-time income

Work until age

Partner's annual part-time income

Partner works until age

Long-Term Care Planning

Plan for future care costs (residential ~£40k/year, nursing ~£60k/year)

Your care starts at age

Your annual care costs

Typical: £30-40k residential, £40-60k nursing

Partner's care starts at age

Partner's annual care costs

Step 4: Financial Assumptions

Set your expected returns and withdrawal strategy

Expected return (%)

Inflation rate (%)

25% tax-free handling

UFPLS keeps DC growing and applies 25% tax‑free per withdrawal; PA still applies to the taxable 75%.