UK Retirement Calculator
Enter the yearly income you would like, your savings and what you save each month. The tool includes the full new State Pension of £241.30 a week for 2026/27 and shows any shortfall.
Este conteúdo está em inglês.
These figures are estimates only and are not advice. Everything is in today’s money. Your State Pension depends on your National Insurance record, so check your forecast on GOV.UK. Growth is not guaranteed.
Exemplos resolvidos
Retiring at 65 on £30,000
Age 40, retire at 65, State Pension age 67, savings £50,000, £500 a month, £30,000 a year wanted, 5% growth, 2.5% inflation, 4% withdrawal
State Pension used: £12,547.60 a year (£241.30 a week) Income needed from your savings after State Pension age: £17,452 a year Years before State Pension starts: 2 (savings must cover £60,000) Savings needed at 65: £496,310 Projected pot at 65: £296,927 Shortfall: £199,383 Extra saving a month to close the gap: £485
Retiring two years before the State Pension adds a bridge the savings must cover.
Retiring at State Pension age
Age 40, retire at 67, State Pension age 67, savings £50,000, £500 a month, £30,000 a year wanted, 5% growth, 2.5% inflation, 4% withdrawal
State Pension used: £12,547.60 a year (£241.30 a week) Income needed from your savings after State Pension age: £17,452 a year Years before State Pension starts: None Savings needed at 67: £436,310 Projected pot at 67: £323,870 Shortfall: £112,440 Extra saving a month to close the gap: £247
Working two years longer removes the bridge and builds the pot for longer.
Sobre UK Retirement Calculator
This retirement calculator compares the savings you need with the savings you are on course to have. Enter the yearly income you would like in today’s money, your age, the age you want to stop work, your savings and what you save each month. It includes the full new State Pension of £241.30 a week for 2026/27, which you can change to match your own forecast.
You see the pot needed, the projected pot, any shortfall or surplus and the extra monthly saving that would close the gap. Everything is in today’s money, with growth taken after inflation. It is an estimate and not advice.
Como usar UK Retirement Calculator
- Enter your age, retirement age and State Pension age.
- Enter the yearly income you want and your savings today and each month.
- Check the State Pension, growth, inflation and withdrawal rate.
- Read the shortfall or surplus and the extra saving needed.
Usos comuns
- Checking whether you are saving enough
- Seeing the effect of retiring two years earlier
- Finding the extra monthly saving to close a gap
- Understanding how much the State Pension contributes
Fontes
- The new State Pension: what you’ll get (GOV.UK)
- Check your State Pension forecast (GOV.UK)
- Your State Pension age (GOV.UK)
Última revisão em 15 de outubro de 2026.
Perguntas frequentes
How much is the State Pension for 2026/27?
The full new State Pension is £241.30 a week, which is £12,547.60 over 52 weeks. You usually need 35 qualifying years of National Insurance for the full amount, and your own forecast on GOV.UK shows what you will get.
What is the withdrawal rate?
It is the share of your pot you take out each year. At 4% you need a pot 25 times the income you want from it. It is a rule of thumb, not a guarantee, and a lower rate is more cautious if you want the money to last.
What if I retire before State Pension age?
Your savings must then cover the full income until the State Pension starts, and the tool adds that amount to the pot you need.
Why are the figures in today’s money?
Using today’s money means the income you ask for is what it would buy now, which is easier to judge than a larger number in the future.