Retirement & Pension Calculator

Project your pot at retirement and sustainable income.

Result

Projected pot£471,819.38
4% rule income£18,872.78/yr
Flat drawdown (25yr)£18,872.78/yr
Monthly (4% rule)£1,572.73

Retirement & Pension Calculator — FAQs

What is the 4% rule?

Withdraw 4% of the pot in year one, inflation-adjusted after — historically sustainable ~30 years. £500k → £20k/yr.

How much do I need?

Roughly 25× desired annual spending. Full state pension (~£11,973/yr 2025/26) reduces what the pot must cover.

How much do I need to retire?

Rough guide: target income × 25 (the inverse of the 4% rule), minus state pension and other income sources.

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