Tools
See how long your money lasts.
Find out how long your savings and pensions could last in retirement, and what you could spend each year.
What you'll get
The age your money could last until
What you could spend each year to make it last to 95
A chart of your savings through retirement
A year-by-year plan by email, with the assumptions explained
What you'll need
Rough figures for your pensions, savings and what you'd like to spend. Nothing needs to be exact, and it takes about four minutes.
This plan is for illustration only and isn't financial or tax advice. It's based on the figures you enter, steady growth and the State Pension and tax bands for the 2026/27 tax year, which can change. The value of investments can go down as well as up, so you could get back less than you put in.
How it works
What the plan takes into account.
We build a simple year-by-year plan from your figures, in today's money so the numbers feel familiar.
The State Pension
The full new State Pension is £12,548 a year in 2026/27. We start it at your State Pension age, which is between 66 and 68 depending on when you were born.
Tax on your income
A quarter of each pension withdrawal is usually tax-free. We tax the rest, along with your State Pension and other income, using the 2026/27 bands.
Growth and prices
We assume steady growth after charges, with prices rising by 2.5% a year. Real markets go up and down, so treat the result as a guide rather than a forecast.
When you can draw
You can usually take money from a pension from 55, rising to 57 from April 2028. We use your other savings to cover any gap before then.
State Pension and tax bands for the 2026/27 tax year. Rules checked on 25th October 2026.
Questions
Common questions.
How accurate is the plan?
It's a rough guide. It uses your figures and steady growth, so it can't show the ups and downs of real markets, care costs or changes in your life. An adviser can build a full cashflow plan with you and test it against those.
Why is everything in today's money?
Prices rise over time, so £30,000 in twenty years won't buy what it does now. Showing everything in today's money makes the figures easy to compare with what you spend now.
Does it work for couples?
Yes. Choose 'Me and my partner' and enter your savings together. We include both State Pensions and split your income between you for tax, assuming you both live throughout.
What happens to the details I enter?
Your answers stay in your browser while you use the tool. If you ask for the full plan, we keep your name, email and answers so we can send it and follow up, and we don't share them with anyone else.
Let's talk
Let's talk about what's next for you.
The first conversation is complimentary, with no obligation to proceed.
