One short profile. A benchmarked retirement projection, a home-buying read, and a prioritised plan of what to do next.
Start here — the calculator is free ▾Rough figures are fine — you can adjust everything later. Nothing is stored or sent anywhere; it all stays in your browser.
Your projected position at retirement, in today’s money. Drag the controls to see what changes it.
We’ll send a one-time summary. No spam, no mailing list. You can also just screenshot your results.
In order. Each step says why it’s there. Tick things off as you do them — and take the whole thing to a regulated adviser for the execution details.
This is guidance, not regulated financial advice. Nothing here recommends a specific product, fund, or provider. Projections are illustrations in today’s money using real (after-inflation) growth assumptions and a 4% sustainable-withdrawal rule of thumb — they are not guarantees, and capital invested is at risk. Figures use 2026/27 UK rates and allowances: State Pension £12,547/yr, pension annual allowance £60,000, lump-sum allowance £268,275, personal allowance taper above £100,000. Benchmarks: Target Replacement Rates from the Pensions Commission (2004), earnings bands uprated per PPI / Pensions UK adequacy modelling (2025), cross-checked with the approach in DWP’s Analysis of Future Pension Incomes (2025); Retirement Living Standards (Loughborough University / Pensions UK, one-person household outside London, 2026/27), which assume mortgage-free homeownership. Home equity is counted in net worth but excluded from retirement income projections. Tax rules can change. Assumptions as of July 2026. For personal recommendations, consult an FCA-regulated adviser. No data is stored or transmitted — everything runs in your browser.