Can I Retire Yet?

A simpler way to see if your retirement plan adds up.

Enter your pension, S&S ISA, and home details once and get a single view of projected net worth, retirement income, and any shortfall.

Basics

Retirement target

Start with the age you want to stop working and the amount you think you will need each year in retirement, entered in today's money. Private pensions go in the section below as investment pots. State or public pensions go here because they behave like yearly income, not a pot you draw from.

State or public pension income per year
Other guaranteed income per year

Asset Mix

Derisking and rebalance glide path

This lets the planner gradually move invested assets away from an equity-heavy mix as retirement gets closer. It applies to your private pension, S&S ISA, and any GIA rows in other accounts. Cash-style accounts keep the rates you enter directly.

Your pension, S&S ISA, and GIA return fields are treated as the higher-risk growth return. The lower-risk return below is used for the defensive part of the portfolio.

Pension

Private pension projection

This projects the future value of your pension pot using contributions plus compound growth.

S&S ISA

ISA compound growth

Add your current ISA and monthly investing amount to estimate how much tax-free money it could hold by retirement.

Other Accounts

Cash ISA, Premium Bonds, HYSA, GIA and savings accounts

Add as many extra accounts as you want. Choose the account type from the dropdown, then enter the current balance, monthly saving, and expected yearly rate.

Account type Current balance Monthly saving Yearly rate (%)

Home

Property and home equity

Use this section only if you expect your home to contribute to retirement through selling, downsizing, or releasing equity.