Free tool · about two minutes
Will my money last?
Eight numbers and you get the one answer nobody gives you: the age the money runs out, or that it doesn't. It runs entirely in your browser — nothing you type is sent to us.
Eight numbers and you get the one answer nobody gives you: the age the money runs out, or that it doesn't. It runs entirely in your browser — nothing you type is sent to us.
It works in today's money at one flat growth rate and applies no tax at all. Real life doesn't do that: income tax, National Insurance, the order you draw from pots, and a bad three years just after you stop all move the answer, sometimes by years.
So treat this as the rough shape, not the answer. The Financial Plan runs the same projection properly — every year to 100 with UK tax applied, then two thousand more times with the good and bad years reshuffled, then broken on purpose to see what actually hurts.
Almost everyone under-estimates it, often by hundreds a month. Guess low here and the answer is flattering and wrong — which is why the paid work starts from your bank rather than your memory. The free Healthcheck gets you the real number in about two minutes.
Usually the most powerful lever on the page. Try moving it two years each way and watch what happens — for most people it moves the answer more than any change to what they save.
This tool can't show it, and it matters enormously. Poor returns in the first three years after stopping do far more damage than the same years a decade later, even though the average is identical.
The age it gives you is a shape, not a verdict. What matters is which side of it you land on and by how much.
You have margin, and the useful next question changes from “will it last” to “am I under-living my own money”. Plenty of people work years longer than they need to because nobody ever told them they could stop. Try moving the stop date earlier and see what it costs.
The uncomfortable middle, and the most common result. Not obviously fine and not obviously broken — which means the answer depends on things this tool does not model, particularly tax and whether the early years go well. This is the range where a proper projection actually changes decisions.
Worth taking seriously and worth taking seriously now, while working an extra year or finding a few hundred a month still moves it. The same answer at 70 is a much harder problem than the same answer at 55, because almost every lever has gone.
Run it again with your spending £300 a month higher. If that changes the answer by five years or more, the figure you typed in is the most important number on the page — and it is the one almost everybody gets wrong.
It applies no tax, so what a pension actually puts in your hand is less than it shows. It uses one flat growth rate, so it cannot tell you how much the answer depends on the first few years behaving. And it takes your spending figure at face value. All three push the answer in the optimistic direction, which is worth holding in mind before you rely on it.
The projection runs in your browser in about a minute. Nothing is sent anywhere and no email is needed to see the answer.
Thirty minutes with a planner to work out whether you need a Plan at all. Some people leave that call having been told they don't.
One written document — every year to 100 with the tax done properly, what breaks it priced in years, and the ninety days after. £1,500.