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Your retirement. Modelled clearly.
Tell us about your pensions, savings and state pension. We'll project your retirement income year by year — and show you exactly where you stand.
This tool provides illustrative projections only and does not constitute regulated financial advice. Figures are estimates. Actual outcomes will differ. Tax rules may change.
1
You
2
Pensions
3
Savings
4
State Pension
5
Goals
6
Results
Step 1 of 5
About you
A few basics to map your retirement timeline accurately.
yrs
yrs
yrs
Plan to at least 90. A 65-year-old today has a 1-in-4 chance of living past 92.
£
Salary, drawings or dividends. Used only to benchmark your income replacement target — nothing is stored.
Why we ask: Your income helps us suggest a realistic retirement target. Most planners suggest 60–70% of pre-retirement income maintains a similar lifestyle.
Step 2 of 5
Your pensions
Add every pension you have — workplace, personal, SIPP, final salary. Estimates are fine.
Lost a pension? Use the free government Pension Tracing Service to track down old workplace schemes.
Step 3 of 5
Savings & investments
ISAs, general investment accounts and any cash you plan to draw in retirement. Leave blank if not applicable.
£
£
£
£
£
Regular amounts going into ISAs or savings each month between now and retirement.
5%
5% is a common long-term assumption for a balanced portfolio. Adjust to match your investment approach and risk tolerance.
Step 4 of 5
State pension
The full new State Pension is £11,502/year (2024/25). You need 35 qualifying NI years for the full amount.
yrs
Currently 66, rising to 67 (born 1960–1977) and 68 (born after 1978).
What income do you want in retirement? We'll tell you whether you're on track to achieve it.
£
Minimum
£14,400
Covers essentials
Moderate ✦
£31,300
Good standard of living
Comfortable
£43,100
Financial freedom
PLSA Retirement Living Standards 2024 · single person · tap to use as your target
2.5%
Bank of England target is 2%. We suggest 2–3% as a prudent long-term assumption.
Up to 25% of your DC pension (max £268,275) can be taken tax-free at retirement.
Your estimated annual retirement income
£—
per year in today's money · from age —
State Pension
DC / SIPP
DB Pension
ISA & Savings
vs. your target
—
—
Total pot at retirement
—
Pension & savings combined
Monthly income equivalent
—
All sources combined
Pot lasts until
—
—
Year-by-Year Income Projection — in today's money
Income Sources at Retirement
What If? — Retirement Age Scenarios
5 years earlier
—
—
Your current plan
—
Target retirement age
5 years later
—
—
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✓
Numbers are a starting point. Let's build the real plan.
A calculator shows you the picture. An independent financial adviser builds the strategy — structured for tax efficiency, adjusted to your exact circumstances, reviewed every year as your life changes.
This planner provides illustrative projections only and does not constitute regulated financial advice. All figures are estimates based on the information you have entered and assumptions about growth, inflation and life expectancy — actual outcomes will differ. The value of investments can fall as well as rise. Tax treatment depends on individual circumstances and is subject to change. This tool is for UK residents only. For personalised financial advice, speak to a qualified Independent Financial Adviser. B² Wealth provides independent financial planning services. Be Square.
Almost there
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Enter your details below to see your full retirement projection. We'll also send you a summary so you can refer back to it.
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