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 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.