UK Pension Planner

Important Disclaimer

This tool is for educational and informational purposes only. It does not constitute financial advice. Pension planning involves complex decisions that depend on your individual circumstances. Please consult with a qualified, FCA-regulated financial adviser before making any pension decisions. Past performance does not guarantee future results, and projections are estimates only.

Scenarios

No saved scenarios yet. Click "Save Current" to save your first scenario.

Sustainable Plan

Your pension pot is projected to last throughout your entire retirement based on your current withdrawal rate.

Retirement Pot

£915,937

At age 67

Total Monthly Income

£4,012

Private: £3,053 + State: £959

*Increases with inflation

Investment Growth

£577,937

Over 32 years

Pot Duration

23 years

Through retirement

Personal Details

Contributions

Retirement

Full new State Pension: £221.20/week (2024/25)

Annual withdrawal as % of private pot value

Your withdrawals increase by this rate annually

First Year Retirement Income

Private Pension:£36,637/yr
State Pension:£11,502/yr
Total:£48,140/yr

£4,012 per month

*Increases 2% annually

Complete Pension Journey

Accumulation Phase (Age 35-67)
Drawdown Phase (Age 67+)

Accumulation Phase

Retirement Drawdown

Contributions vs Growth vs Withdrawals

💡 Important Notes:

  • This planner provides estimates only and doesn't constitute financial advice
  • The drawdown rate is applied annually to the remaining pot value
  • Your annual withdrawals increase with inflation (2%) to maintain purchasing power
  • Growth continues on your remaining pension pot during retirement (typically at a lower rate)
  • Investment returns can vary significantly and past performance doesn't guarantee future results
  • Consider consulting with a qualified financial adviser for personalized guidance
  • Tax implications and fees aren't fully modeled (except the 25% tax-free lump sum option)