Have I Enough?
Have I Enough?
Open the planner

Is my pot enough to retire? Worked examples by pot size

Pick a pot size to see whether it’s enough to retire on — each example runs the same pot across retirement ages from 55 to 65, showing the most you could safely spend each year and how long the money lasts. All figures are illustrative and in today’s money.

Or run it with your own numbers
Is £50k enough?Is £150k enough?Is £200k enough?Is £300k enough?Is £400k enough?Is £500k enough?Is £700k enough?Is £750k enough?Is £1m enough?

Frequently asked questions

How much do I need to retire in the UK?

There is no single number — it depends on the lifestyle you want and how long you need the money to last. A widely used guide is 25 times your annual spending (the flip side of the 4% rule), reduced by any State Pension and other income. The planner works it out from your own figures instead of a rule of thumb.

What is the 4% rule?

The 4% rule is a rough guide that says you can withdraw about 4% of your pot in the first year of retirement, then adjust for inflation each year, with a good chance of the money lasting 30 years. It’s a starting point, not a guarantee — the stress test in the planner shows how a plan holds up across many market outcomes.

How big a pension pot do I need?

Work backwards from your spending. If you want £30,000 a year and expect £11,000 from the State Pension, you need your pots to provide the remaining £19,000 — around £475,000 using the 4% guide. Enter your own targets and the planner sizes the pot for you.

Does the State Pension count towards how much I need?

Yes. The State Pension is a guaranteed inflation-linked income for life, so it directly reduces the amount your private savings need to provide. The planner includes it from your State Pension age when it works out whether you have enough.