Have I Enough?Have I Enough?
StatusMore than enough
Stop workAge 60
Spend / yr£30,000
ConfidenceAssessing…
Have I Enough?
Have I Enough?

Know when you have the freedom to choose.

You're on track.

Your pot keeps growing right to the end — the model projects you could stop work around 57. The pot keeps growing throughout: the plan ends with more than it ever draws on, which implies room to stop earlier, spend more, or leave a larger legacy.

Total assets · age 40age 95

Am I on track?

Yes — more than enough

Your pot keeps growing right to the end.

When could I stop working?

You could stop around 57

That's 3 years earlier than your current plan of 60 — the model projects the plan still funds a full retirement.

What's my biggest risk?

What's my biggest opportunity?

How confident should I be?

The evidence

Assets at retirement

£595,554

What the model projects you'll have built by the time you stop work.

Left at the end

£798,326

Finishes with ~£798,326 still invested

Thinnest point

£133,910

The plan's lowest balance, reached at age 40.

Total assets over time

retire 60Age 40Age 95£798k

Pension vs ISA bridge

retire 60PensionISA bridgeAge 40Age 95£798k

Retirement cashflow

Guaranteed income (orange) and portfolio withdrawals (amber) against total spend; any shortfall in rose.

Age 60
£30k
Age 63
£30k
Age 66
£30k
Age 69
£30k
Age 72
£30k
Age 75
£30k
Age 78
£30k
Age 81
£30k
Age 84
£30k
Age 87
£30k
Age 90
£30k
Age 93
£30k
Show the full figuresevery metric, in detail

First-year withdrawal rate

5%

Share of the pot drawn in the first year of retirement.

Total tax paid

£116,142

Modelled income + capital-gains tax across the whole plan.

Money runs short

Never

The first year, if any, the plan can't fully fund.

For the complete year-by-year ledger, tax and withdrawal breakdown, open

Important — not financial advice

This tool is intended for UK residents and models UK tax rules, allowances, and pension rules only. It provides general information to help you explore scenarios — it is not financial, tax, investment, or pension advice, and it is not a personal recommendation. All figures are estimates based on the assumptions you enter and simplified modelling; they are not guarantees of future outcomes. Investments can fall as well as rise, and tax rules can change. Before making any decisions, consider seeking advice from an FCA-regulated financial adviser. Everything is computed in your browser, and your plan stays in this browser unless you explicitly choose to create a shareable snapshot. A share link is not private — anyone with the link can view it.

The UK retirement & pension planner that answers “can I retire?”

Have I Enough? is a free retirement planner for the UK. Enter your pensions, ISAs and savings, the age you’d like to stop work and the lifestyle you want, and it builds a year-by-year cashflow projection that tells you whether you have enough — and, if not, when the money would run short. Test when you can retire, work out how much you need to retire, and stress-test the plan against market ups and downs. Everything runs in your browser; your figures never leave your device unless you choose to share them.

How much do I need to retire?When can I retire?Can I retire at 55, 60 or 62?Will I ever have a good pension?All guides & worked examplesRetirement videos

Frequently asked questions

How do I know if I have enough to retire?

You have enough to retire when your pensions, ISAs and other savings can fund your planned spending for the rest of your life without running out. Have I Enough? models this year by year — it projects your pots forward, draws down your target spending, adds your State Pension and any other income, and tells you the age (if any) at which the money runs short.

How much do I need to retire in the UK?

It depends on the lifestyle you want. A common rule of thumb is that you can safely draw around 4% of your pot each year, so you need roughly 25 times your annual spending after any State Pension and other income. Rather than rely on a single figure, enter your own numbers and the planner shows exactly how long your money lasts.

When can I retire?

Try different “stop work” ages in the planner and watch when your plan tips from “enough” to “not enough”. Remember you normally can’t access a private pension until age 55 (rising to 57 in April 2028), and the State Pension starts at your State Pension age (currently 66), so retiring earlier means bridging the gap from ISAs and savings.

Can I retire early?

Often yes — but early retirement usually means funding the years before your pension and State Pension kick in from other savings. The scenario grid lets you test retiring at 50, 55 or 60 at different spending levels so you can see which combinations your money actually supports.

Is it free, and is my data private?

Yes. Have I Enough? is free to use and runs entirely in your browser — your figures never leave your device unless you deliberately create a share link. It is a planning tool, not regulated financial advice.