RetireReady UK

When can I retire — and on how much?

A quick, UK-native projection of your pension and ISA pot, your tax-free lump sum, and the income it could give you in today's money. Adjust anything and the numbers update instantly.

Your details

About you
What you have today
What you pay in (monthly)

Pension contributions feed the pension pot; ISA savings are assumed to be topped up from your contribution too — for simplicity all monthly money grows in one combined projection.

Assumptions

Average annual return before inflation.

Used to show everything in today's money.

Share of the pot you draw each year (the "4% rule").

State Pension
Include State Pension

Default £11,502 is the 2024/25 full new State Pension. Check your forecast at gov.uk.

Your projection

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Projected pot at retirement
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pension + ISA, future money
25% tax-free lump sum
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from the pension pot
Income from pot / yr
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today's money, at your SWR
Total income / yr
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incl. State Pension

Pot growth to retirement

How your combined pot builds up over the years.

Total pot (future £) Money you paid in

Where the pot comes from

At retirement, in future (not inflation-adjusted) pounds.

SourceAmount
Total pot—