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Could you afford
to retire today?

Find out in minutes. No jargon, no sales pitch — just a clear picture of where you stand and what you could do next.

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A happy couple enjoying retirement together on their front steps
Important: This tool provides general guidance only and does not constitute regulated financial advice. Projections use simplified assumptions and are illustrative. For personal advice tailored to your circumstances, consult an FCA-regulated financial adviser.
How It Works

Three simple steps

No financial jargon. Just answer a few questions and we'll do the maths.

1. Tell Us About You

Your age, your pensions, what you spend each month — the basics.

2. See Where You Stand

We'll show you three scenarios — cautious, moderate, and optimistic — so you can see the range of possibilities.

3. Know Your Next Step

Find out if you're on track, and if not, what simple changes could make a real difference.

Important: This tool provides general guidance only and does not constitute regulated financial advice. Projections use simplified assumptions and are illustrative.
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Your Retirement Check

Let's See Where You Stand

Work through each section below. The more you tell us, the more accurate your picture will be.

About You

Basic details to set up your projections.

Your Pensions

Add each pension you hold. You can add as many as you need.

Your State Pension

Check your state pension forecast at gov.uk/check-state-pension.

Full new State Pension is £11,502/year (2024/25). Enter your personal forecast if you have it.
Check yours at gov.uk/state-pension-age
Other Savings & Investments

ISAs, general investment accounts, cash savings. Exclude your main home.

Other Income Sources

Any other income you expect in retirement (rental income, part-time work, etc).

Leave blank if none.
Your Retirement Expenses

Estimate your monthly spending in retirement. This builds your annual target income, which we'll compare against your projected retirement income.

Rent, mortgage, or £0 if owned outright
Council tax, energy, water, broadband
Annual Spending Target (after tax)
What you need in your pocket each year
£0
Gross Income Needed (before tax)
What your pensions and savings need to provide
£0
Tax estimate uses 2024/25 rates: £12,570 personal allowance, 20% basic rate, 40% higher rate. PLSA Retirement Living Standards (single, 2024): Basic £14,400 · Moderate £31,300 · Comfortable £43,100

Projected Annual Retirement Income

Three scenarios based on different real growth assumptions, shown in today's money. The projections are based on a simplified set of assumptions and take account of your average income over the full retirement period. For detailed analysis, please purchase a premium subscription.

Cautious (2% real)
—
Moderate (4% real)
—
Optimistic (6% real)
—
Income Breakdown (Moderate Scenario)

Where your projected retirement income comes from.

Assumptions

These are the default assumptions used in your projections. Tick the checkbox next to any assumption you'd like to change, then adjust the value.

Default 87 — average UK life expectancy at state pension age (men ~85, women ~88). Your pot is spread over the years from retirement to this age.
Annual real return for the cautious scenario.
Annual real return for the moderate scenario.
Annual real return for the optimistic scenario.
Annual real return on non-pension savings.
Growth on your remaining pension and savings pots while drawing down in retirement. Used by the Cashflow Modeller.
Current UK personal allowance (2024/25).
Income above this is taxed at 40% (2024/25).

What you might consider next

Want to save your results?
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Reminder: These projections are for general guidance only and are based on simplified assumptions. They do not constitute regulated financial advice. Your actual retirement income will depend on many factors not modelled here, including investment performance, inflation, tax, and changes to legislation. For advice tailored to your circumstances, please consult an FCA-regulated financial adviser.
Important: This tool provides general guidance only and does not constitute regulated financial advice.
Pricing

Simple, affordable pricing

Start for free. Upgrade when you want the full picture.

Free
£0
No sign-up required
  • Quick retirement readiness check
  • Three scenario projections
  • Income breakdown overview
  • Personalised next steps
Recommended
Premium
£10/month
Cancel anytime
  • Everything in Free
  • Cashflow Modeller — year-by-year projections
  • Detailed scenario modelling
  • Save your details & track progress
  • Personalised alerts if you go off track
  • Regular updates as markets change
  • Priority email support

Premium is designed to keep you on track as things change — your circumstances, the markets, and government policy. Think of it as a retirement co-pilot for less than the price of a coffee a week.

Welcome Back

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My Account

Premium

Retirement Cashflow Modeller

See exactly how your money flows year by year from retirement through to age 100 — which pots fund your spending, when the state pension kicks in, and how your balances change over time.

Data Source

This tool uses the details you've entered in your Retirement Check — including your age, pensions, savings, and expenses. Growth rates and other assumptions are taken from the Assumptions section of your results.

Income Sources & Remaining Balance

Bars show annual spending and how it's funded (net of estimated tax). The line tracks your remaining pot balance. DC drawdowns are 25% tax-free; savings are untaxed.

Year-by-Year Cashflow

All figures in today's money (real terms). Highlighted rows show when state pension begins. Tax is estimated using simplified UK bands. DC drawdowns are 25% tax-free. Savings drawdowns are untaxed.

Age Phase DC Draw DB Income State Pension Savings Draw Other Income Tax Net Income Spending Surplus / Gap Remaining Pot
Important: This cashflow model is for guidance only and is not regulated financial advice. Projections are in today's money and assume constant real growth rates. Actual returns will vary year to year. Tax treatment is simplified. You should consult an FCA-regulated financial adviser before making any financial decisions based on these projections.
Legal

Privacy Policy

Last updated: March 2026

Who we are
ReadyToRetire.uk provides online retirement guidance tools. We are not authorised or regulated by the Financial Conduct Authority. Our service provides general guidance only, not regulated financial advice. For the purposes of UK data protection law, ReadyToRetire.uk is the data controller responsible for your personal information.

What data we collect
When you use our free calculator without creating an account, we do not collect or store any personal data — all calculations run in your browser and no information is sent to our servers.

When you create an account, we collect: your email address (for login and account management), a password (encrypted, we cannot see it), and any financial details you choose to enter and save, including age, pension details, savings, and estimated expenses.

Why we collect it
We process your data for the following purposes: to provide the retirement guidance service you have requested, to save your details so you can return and update them, to maintain and improve the service, and to communicate with you about your account. Our legal basis for processing under UK GDPR is that it is necessary for the performance of the service you have requested (Article 6(1)(b)).

Where your data is stored
Your data is stored securely using Supabase, a cloud database service hosted on Amazon Web Services in the European Union. Your data does not leave the EU/UK. Supabase encrypts data both in transit (TLS) and at rest. Access to the database is protected by row-level security, meaning only you can access your own data when logged in.

How long we keep it
We retain your data for as long as you have an active account. If you delete your account, your data will be permanently removed within 30 days. If your account is inactive for more than 24 months, we may contact you before deleting your data.

Cookies and local storage
We do not use advertising or tracking cookies. When you log in, a session token is stored in your browser's local storage to keep you signed in between visits. This is essential for the service to function and is not used for tracking. We do not use any third-party analytics services.

Third parties
We do not sell, rent, or share your personal data with any third parties. The only third-party service that processes your data is Supabase (our database and authentication provider), which acts as a data processor on our behalf. Supabase's privacy policy is available at supabase.com/privacy.

Your rights under UK GDPR
You have the right to: access the personal data we hold about you, correct any inaccurate data, request deletion of your data, request a copy of your data in a portable format, object to or restrict our processing of your data, and withdraw consent at any time (where processing is based on consent). To exercise any of these rights, please email us at the address below. We will respond within 30 days.

Data security
We take reasonable technical and organisational measures to protect your personal data, including encryption in transit and at rest, row-level database security, and secure authentication. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

Children
Our service is not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

Changes to this policy
We may update this privacy policy from time to time. If we make significant changes, we will notify you via email or through a notice on the site. The "last updated" date at the top of this page indicates when the policy was most recently revised.

Complaints
If you are unhappy with how we have handled your data, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk or by calling 0303 123 1113.

Contact us
For any questions about this privacy policy or to exercise your data rights, please contact us at: [email protected]

Legal

Terms of Service

Last updated: March 2026

About this service
ReadyToRetire.uk provides online tools and general guidance to help you think about your retirement finances. By using this website, you agree to these terms.

Not financial advice
This is the most important thing to understand: ReadyToRetire.uk provides general guidance only. We are not authorised or regulated by the Financial Conduct Authority (FCA). Nothing on this website constitutes a personal recommendation or regulated financial advice. You should not make financial decisions based solely on the output of our tools. For advice tailored to your personal circumstances, please consult an FCA-regulated financial adviser.

Projections and assumptions
The calculations and projections provided by our tools are illustrative only. They are based on simplified assumptions about investment growth, inflation, tax, life expectancy, and other factors. Actual outcomes will differ, potentially significantly, from any projections shown. Past performance is not a guide to future returns. We make no guarantees about the accuracy, completeness, or reliability of any projection.

Your responsibilities
You are responsible for the accuracy of the information you enter into our tools. You are responsible for any decisions you make based on the guidance provided. You must keep your account credentials secure and notify us immediately if you believe your account has been compromised.

Limitation of liability
To the fullest extent permitted by law, ReadyToRetire.uk shall not be liable for any loss or damage arising from your use of this website or reliance on any information provided, including but not limited to financial losses, investment losses, or any indirect or consequential losses. This does not affect your statutory rights as a consumer.

Account terms
You may create a free account to save your details. You must provide a valid email address and keep your login credentials secure. We reserve the right to suspend or terminate accounts that violate these terms or are used fraudulently. You may delete your account at any time by contacting us.

Intellectual property
All content, design, and code on this website is owned by ReadyToRetire.uk and is protected by copyright. You may not reproduce, distribute, or create derivative works from any part of this website without our written permission.

Availability
We aim to keep the website available at all times but do not guarantee uninterrupted access. We may suspend or modify the service at any time without notice for maintenance, updates, or other reasons.

Changes to these terms
We may update these terms from time to time. Continued use of the website after changes have been posted constitutes your acceptance of the revised terms.

Governing law
These terms are governed by the laws of England and Wales. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

Contact us
For any questions about these terms, please contact us at: [email protected]