Free UK retirement calculator
When can I retire?
Have I Enough? projects your pensions, ISAs, savings, State Pension and spending — year by year — to find the earliest age you can actually afford to stop working.
No signup required.
Runs entirely in your browser.
- Free forever
- Private by design
- No advice, just answers
Popular questions
Try it live
LiveProjected pot (today's money)
Illustrative — assumes 5% growth a year above inflation, State Pension from 67 and pension access from 55. Drag to explore.
The honest answer
Why most retirement calculators get it wrong
A single “magic number” hides how retirement is really funded. The earliest age you can stop depends on how four things move together.
Your pension isn’t the whole picture
Workplace and private pensions are only part of it. A real answer weighs your ISAs, savings and the State Pension alongside them.
ISAs bridge the gap before pension access
You normally can’t touch a pension until 55 (57 from 2028). Retire before then and your ISAs and savings have to carry you across.
Spending matters more than retirement age
Retiring at 55 on £25k or £45k are completely different plans. Your target spending moves the date more than almost anything else.
Investment growth changes everything
Your pots keep compounding through retirement, not just before it. Ignore that and every projection looks far gloomier than reality.
Three simple steps
How it works
No spreadsheets, no jargon. From blank page to your earliest retirement age in a couple of minutes.
Add your pots
Enter your pensions, ISAs and savings. No account and no sign-up — figures stay in your browser.
Choose your lifestyle
Set the yearly spending you actually want in retirement. Adjust it any time to see the trade-off.
See your earliest age
Get the earliest age you can afford to stop — and watch the money last, year by year, to 95.
Explore worked examples
Can I retire early? See real scenarios
Every card is a full worked example with a verdict and a year-by-year projection — then make it yours with your own numbers.
Built to be trusted
Why people use Have I Enough?
A proper cashflow model — the same engine behind the worked examples — not a back-of-an-envelope guess.
- Year-by-year cashflow
- Tax-aware withdrawals
- Pension + ISA modelling
- State Pension included
- Inflation-adjusted figures
- Investment growth
- Monte Carlo stress testing
- Multiple retirement scenarios
See it clearly
How retirement funding actually flows
Different pots pay for different years. The planner sequences them for you — this is the shape it models.
- 01
Now → you stop
Working & saving
You build your pensions and ISAs while you earn. The plan starts the day you choose to stop.
- 02
Until age 55
ISA bridge
Retire early and your ISAs and savings cover the years before you can touch a pension at 55.
- 03
From age 55
Private pension
Your workplace and private pensions come online (rising to 57 from 2028) and take over the load.
- 04
From age 67
State Pension
A guaranteed, inflation-linked income for life tops things up — so your own pots have to do less.
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.
Ready to find your retirement age?
Answer the one question that matters — when can you stop working? — with your own pensions, savings and spending. Free, private, and done in minutes.
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