Retirement Lifestyle Calculator

Use this calculator to explore how much you may need in pensions and investments to support the retirement lifestyle you want. It is designed as a useful starting point, not a full retirement plan.

Your retirement lifestyle estimate

For simplicity, this calculator uses a broad withdrawal or annuity rate assumption. A 4% rate means each £100,000 of retirement savings is assumed to provide £4,000 a year before tax. This is not guaranteed.

This calculator uses simplified assumptions and is intended for guidance only. It does not account for tax, State Pension, defined benefit pensions, annuity rates available at the time, changing spending patterns, investment volatility, sequencing risk, inflation that differs across spending categories, or how you might draw income from different accounts. These are areas where personalised retirement planning can make a significant difference.

Would you like help understanding what these numbers mean for your retirement?

A conversation with a financial planner can help you turn a broad estimate into a clearer retirement plan.

Get in touch