Pop in your numbers to see if your current ISA and pension pots can support your desired income from today until your chosen life expectancy.
This UK‑focused checker models tax‑free ISA withdrawals, flexible pension drawdown, optional annuity, and the State Pension starting at your SPA. All figures are in today’s money (real terms).
Your Numbers
Tip: If you rent or expect higher housing costs, increase your desired spending to reflect that.
Pots & Growth
Common planning range: 1.5% – 4.0% real.
Annuity income is modelled as inflation‑linked at the chosen real rate.
State Pension
If you haven’t reached SPA, the model bridges the gap using ISA first, then pension drawdown.
Tip: If retiring before pension access age, aim to build extra ISA/Taxable savings to cover the bridge years.
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Assumes all figures are in real terms (after inflation). Withdrawals are taken from ISA first, then pension. 25% tax‑free cash and income tax are not modelled.
Annuity income (if any)£0
Annuitised at retirement£0
Starting ISA£0
Starting Pension (drawdown)£0
Desired annual spend£0
State Pension (from 67)£0
Real growth assumption0%
Projected Pot Balances (real £)
ISA is spent before Pension; remaining balances grow at your chosen real rate.
