Example retirement plan
This is a sample household: Alex & Sam, 43 and 41.
Every figure below is illustrative — it shows how the planner works. Add your own pensions, savings and spending to find out when work becomes optional for you. No sign-up, and it stays in your browser.
Can Alex & Sam afford to stop working?
You're on track.
Every year is funded, and savings are still growing at the end of the plan — on average returns the model projects you could stop work around 49. 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.
Planned stop
Age 55
Alex's age
Work optional from
Age 49
on average returns
Confidence
…
of simulated markets fund every year
Spending
£35k/yr
today's money
1Can Alex & Sam afford to stop?
Yes — on track
Every year is funded, and savings are still growing at the end of the plan.
2When?
You could stop around 49
That's 6 years earlier than your current plan of 55 — the model projects the plan still funds a full retirement.
3How confident is that?
4What's the biggest risk?
5Biggest opportunity?
6What can I change?
Ready to take the next step?
Continue with the team who put this planner in front of you.
The numbers behind it · today's money
Savings at 55
£1,078,733
Pensions, ISAs and cash the moment you stop work.
Reachable savings, lowest
£297,478
What you can actually draw is at its lowest at age 56, while pension money is still locked.
Lowest point after stopping
£1,078,733
Savings never fall below where they start when you stop work.
Left at 95
£2,695,623
On average returns. The stress test shows how much this can vary.
All figures are in today's money — adjusted for inflation, so £1 buys what £1 buys now. Projections use your assumed average returns — real markets will be bumpier (see the stress test).
Your savings over time
Pensions, ISAs, cash and investments.
Money you can reach vs money locked away
Pensions can’t be drawn until they unlock. The years before that have to be paid from savings you can reach.
How each year of retirement is paid for
After-tax income first, then withdrawals from savings and pensions, against what you plan to spend (today's money). Any shortfall shows in red.
- 55–69 · Active years · £35,000/yr
- 70–79 · Slower years · 20% less · £28,000/yr
- 80–95 · Later life · back to full spending (care) · £35,000/yr
Slower years · 20% less
Later life · back to full spending (care)
Show the full figuresevery metric, in detail
First-year withdrawal rate
3.2%
Share of the pot drawn in the first year of retirement.
Total tax paid
£0
Modelled income + capital-gains tax across retirement.
First unfunded year
None
Every year of the plan is funded.
For the complete year-by-year ledger, tax and withdrawal breakdown, open
About these figures
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.