Estimate My Wealth

UK Retirement and Wealth Calculator

How much will you need to retire? Add the detail and see if you are on track.

These are example figures. Replace them with yours — they stay in your browser.

About you
Key ages for you
Your target income
Choose a target lifestyle

Quick picks: Pensions UK Retirement Living Standards, latest figures, one person outside London.

Pensions
State Pension
How much State Pension to use

Your forecast shows all three. Copy whichever you have.

That works out at

Each year is worth about £6.89 a week — the full £241.30 divided by 35. Under 10 years usually means nothing at all. This rule fits records that started after April 2016; if yours started earlier, your forecast is the figure to trust.

Check your State Pension forecast on GOV.UK — it shows your amount, your qualifying years and any gaps you can fill.

ISAs & savings
Stocks & shares ISA
Cash ISA
Lifetime ISA
Cash savings

Growth is assumed at 5% a year for stocks & shares ISAs and 3% for cash, before inflation. Both are assumptions you can change under Assumptions.

Property & other assets

Nothing added yet. Add a home, a rental property, Premium Bonds, a business — or leave this empty if none apply.

Pick what it is and we’ll set the rest: how fast it grows, and whether it pays for your retirement or just counts towards what you’re worth.

Debts

Debts come off what you’re worth. This version doesn’t model repayments, so they don’t change your retirement income.

Assumptions

These are assumptions, not forecasts. Two come from official sources and two are our own estimates — the panel below says which, and links to each source.

Your answers stay in your browser. Nothing is sent to us.

How much do I need to retire in the UK?

It depends on the life you want. The Retirement Living Standards, published by Pensions UK, put a price on three lifestyles. In 2026 a single person needs about £13,900 a year for a minimum lifestyle, £32,700 for a moderate one and £45,400 for a comfortable one. These are spending figures, so you’ll need a little more before tax.

The full new State Pension is £241.30 a week, or about £12,548 a year. On its own that almost covers the minimum standard. The rest has to come from workplace or personal pensions, ISAs and savings. Use the calculator above to see how close you are.

How much do I need to retire at 55 or 60?

Retiring early means your own savings have to pay for more years, including the years before your State Pension starts at 66 to 68. From 6 April 2028 most people can’t take a private pension until 57, so ISAs and cash savings often have to bridge the gap. Move the “Retire at” slider to see the difference a few years makes.

Frequently asked questions

When can I take my pension?

You can usually take a workplace or personal pension from 55. That rises to 57 on 6 April 2028, unless your scheme gives you a protected lower age. The State Pension starts at your State Pension age, which is between 66 and 68 depending on when you were born.

How much State Pension will I get?

The full new State Pension is £241.30 a week in 2026/27. You usually need 35 qualifying years of National Insurance to get the full amount and at least 10 to get anything. Your own forecast is on GOV.UK.

Is this financial advice?

No. This calculator gives general guidance based on the figures you enter and our assumptions. For free, impartial help, try MoneyHelper or Pension Wise.

How we calculate

Every growth rate here is an assumption, not a forecast, and each one is listed with its source in the Assumptions panel: the 5% investment growth is the ceiling the FCA allows in a pension illustration, cash sits between the rates the Bank of England reports households actually earn, and our charges and house price figures are our own estimates because no official average exists.

We work year by year in today’s money. Pots grow by your chosen rates after fees and inflation. From your retirement age we find the steadiest yearly income your money can pay until the age you plan to, adding the State Pension, any final salary pension and rental income when they start. Tax isn’t taken off yet, so all results are before tax.

Nothing you type here leaves your device. There is no account and nothing is sent to us — your answers are kept only in this browser, and nobody, including us, can see them. Clear your browser data to remove them.