UK Retirement Planner

A free UK retirement calculator. It projects your pensions, ISAs and State Pension year by year, for one person or a couple, and shows whether your savings are likely to last under the assumptions you choose.

What it models

• Workplace and personal pensions, with employer contributions, the £60,000 annual allowance and the 25% tax-free lump sum (up to the £268,275 Lump Sum Allowance)
• Cash ISA, Stocks & Shares ISA and Lifetime ISA (with the 25% bonus), within the £20,000 allowance, plus other savings
• The new State Pension (£12,548 a year in 2026/27) and Defined Benefit (final salary) pensions
• Income Tax in retirement for each person, using England, Wales and Northern Ireland rates for 2026/27
• Spending, healthcare costs, a repayment mortgage and inflation
• A comparison with the Pensions UK Retirement Living Standards (2026), in today's money
• "What if?" sliders and a "what matters most" view showing how the result responds to changes

Privacy

Your plan figures never leave your device: they are stored in your browser and never uploaded, and there is no tracking or analytics. Simple mode needs no account. Advanced mode (an invite-only beta) uses an email sign-in; the account holds only your email address, a marketing choice and an access flag. Optional feedback sends only what you type. Read the privacy notice.

Not financial advice. This is an illustrative planning tool. For personal recommendations, speak to a regulated financial adviser.

This app needs JavaScript. A plain-text description of its methodology is at llms-full.txt.