Have I Enough?
Have I Enough?
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Worked examples

Can I retire at 46?

Pick a combined pension-and-savings pot to see a full worked answer for retiring at 46 — the verdict, a year-by-year projection, and how far the money stretches at £15k to £60k a year of spending. All figures are illustrative and in today’s money.

Retire at 46 with £150kRun-outRetire at 46 with £200kRun-outRetire at 46 with £250kRun-outRetire at 46 with £300kRun-outRetire at 46 with £350kRun-outRetire at 46 with £400kRun-outRetire at 46 with £450kRun-outRetire at 46 with £500kRun-outRetire at 46 with £550kGrowing

Thinking about a different age?

Retire at 40Retire at 42Retire at 44Retire at 48Retire at 50Retire at 51Retire at 52Retire at 53

Frequently asked questions

When can I afford to retire?

You can afford to retire once your projected income and savings cover your planned spending for the rest of your life. Enter your pots, income and target spending and the planner finds the earliest “stop work” age your plan can sustain.

What age can I take my pension?

You can normally access a private or workplace pension from age 55, rising to 57 from April 2028. The State Pension starts later — State Pension age is currently 66 and is scheduled to rise to 67. To retire before those ages you need to bridge the gap from ISAs or other savings.

Can I retire at 55 or 60?

Many people can, if they’ve saved enough and are happy to adjust their spending. The scenario grid shows retiring at 55, 60 and other ages side by side, so you can see exactly what each early-retirement choice costs your long-term plan.

How do I work out my retirement age?

Model it. Set your current savings, contributions, expected returns and the lifestyle you want, then slide the retirement age up and down until the plan stays funded to the end. That age — the earliest one that still says “enough” — is your answer.