Your Details
Leave 0 if unknown. The tool will not invent a provider payout.
Include housing, healthcare, dependants, tax, and recurring support you expect.
How the readiness estimate works
The calculator projects your current balance and monthly contributions to retirement, compares the result with an estimated nest egg target, then turns the gap into a score and action plan.
- Target: estimated monthly retirement expenses multiplied by 12 and then by 25.
- Projection: current savings plus monthly contributions compounded using 0%, 3%, and 5% annual real-return scenarios after inflation and fees.
- Income test: 4% annual withdrawal from the base projection plus only the provider-verified monthly pension payout you enter.
- Pension: only the payout you enter is included; unknown provider or state benefits are treated as 0.
- Verify: pension rules, tax treatment, fund fees, inflation, healthcare, housing, and licensed financial advice. General regulator guidance also stresses including all income sources and distinguishing returns, inflation, and fees in retirement cash-flow models: FCA cash-flow modelling guidance.
Your Retirement Score
Projected Savings at Retirement
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Retirement Nest Egg Target (25× rule)
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Monthly Income Needed
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Monthly Shortfall / Surplus
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Savings Adequacy
3 Scenarios
Conservative (0% real return)
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Base Case (3% real return)
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Higher Case (5% real return)
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To Close the Gap — Contribution Needed
Extra Monthly Contribution Needed
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Pension Scheme Info
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