Your data stays on this device

Everything you enter is saved only in this browser — there's no account, no server, and nothing is ever uploaded. Closing this tab won't lose your plan, but clearing this browser's site data will. Use "Export plan" any time you want a backup file you can keep or move to another device.

Independent — just a tool doing the math

This isn't tied to any pension provider, platform or adviser — just a tool doing the math, built to give you an honest, unbiased read on your own numbers, not to sell you anything. It's not financial advice, just something for your own education before you make decisions, or take them to a professional. If it saved you some worry, or an afternoon in a spreadsheet, you're welcome to leave a £1 tip — entirely optional, and much appreciated.

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Clean starter edition

See the retirement you can actually live.

Plan changing spending, pensions, tax-free cash and one-off events in one simple journey—then test it against 1,000 possible futures.

Your retirement plan

Your outlook

Retirement savings range

In today’s money, after withdrawals and charges

10th–90th rangeMedian

Cash flow journey

Median scenario, net spending target and gross income sources

DB pensionState PensionDC pension

Savings journey

Median projected pension balance in today’s money

Plan-linked goal seeker

How much do I need to save?

This is not a separate calculator. It uses your complete plan: every spending phase, DB and State Pension, other income, tax, dated events, tax-free-cash strategy, plan end age and reserve target.

Whole-plan success target

Target remaining at plan end

Time left to contribute

Current monthly pension saving

Contribution increase per year (%)

Optional. 0% assumes a flat contribution the whole way. A few percent a year (pay rises, rising employer match) can close a lot of the gap without an immediate jump.

The goal seeker uses a smaller deterministic subset of forecast paths for speed, then verifies the estimate. Run the full forecast afterwards to confirm the whole-plan result.

Your linked target

Turn your retirement plan into a savings number

Select “Calculate savings target” to estimate the DC pension fund and monthly contribution needed at your chosen success level.

What it answers
“Given the lifestyle and retirement plan I entered, approximately how large must my DC pension be at retirement—and what monthly saving could get me there?”

Year-by-year median plan

Tax-free allowance is a lifetime balance, not an annual allowance

Age	Target spending	Guaranteed income	DC withdrawal	Automatic tax-free element	Scheduled tax-free cash	Tax-free allowance left	Income tax	Closing pension

Ending balance by historical start year

Real returns from the uploaded planner; red means a shortfall or ending below your reserve target

Important: this is an illustrative historical stress test, not a forecast. The uploaded planner uses real US S&P 500 and US bond returns from 1928–2022. We do not wrap the series back to 1928, because doing so can repeat extreme periods and distort results. UK tax calculations and your current plan inputs are retained; the DB cap still uses your central inflation assumption.

Planning tool, not advice. Tax rules, State Pension policy and investment returns can change. The model uses 2026/27 English tax bands in today’s-money terms.

Investment and forecast settings

Scheduled events and crystallisations

Add as many dated pension crystallisations, expenses or income events as you need. For a crystallisation, enter the tax-free cash you want; the app moves three times that amount into crystallised drawdown. "Tax-free income" can also model a windfall that isn't from your pension — downsizing proceeds, an inheritance, or a gift, for example.

Event type

Exact date

Amount£