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Important: This calculator is a free educational tool. It does not constitute regulated financial advice. Ben Atherton Financial Planning is not FCA-authorised.
A simple illustration of where you might stand — based on numbers you provide. Not financial advice.
For illustration only. This calculator uses simplified assumptions (6% annual growth, 3.5% withdrawal rate) and the figures you enter. Results are indicative estimates, not a financial forecast or recommendation. Many real-world factors — investment performance, inflation, tax, charges, and your personal circumstances — are not captured here. Do not make financial decisions based on this tool alone. Always speak to an FCA-authorised financial adviser.
Enter your details
All fields marked as required must be filled in. Optional fields will improve the accuracy of the illustration.
Total value across all pensions. Check recent statements.
Your contribution + employer contribution combined
What you'd like to live on each month. Today's money — not adjusted for inflation.
Optional: Include other income sources for a more complete illustration
Full new state pension is £998/month (2024/25). Check your forecast at gov.uk/check-state-pension. Leave blank if unsure.
Defined benefit/final salary pension, rental income, annuity etc. Leave blank if none.
You're Short
£120,000
Based on: 6% annual growth, 3.5% withdrawal rate, figures you entered. This is an illustration only — not a projection or guarantee. Real outcomes will vary.
Illustrative target pot needed
Your projected pot at
Illustrative gap
What to do with this result
This illustration gives you a starting point — a rough sense of where you might stand. Here are sensible next steps regardless of what it shows:
Check your state pension forecast at gov.uk/check-state-pension
Track down any old or lost pensions at gov.uk/find-pension-contact-details
Check whether your employer offers contribution matching you're not using
Speak to an FCA-authorised financial adviser if you want a regulated recommendation
Important — please read: Ben Atherton Financial Planning is not authorised or regulated by the Financial Conduct Authority (FCA). This calculator is provided for free educational and illustrative purposes only. It does not constitute regulated financial advice, a personal recommendation, or a financial forecast.
The calculations use simplified assumptions (6% annual investment growth, 3.5% annual withdrawal rate) which may not reflect your actual circumstances. Figures are shown in today's money and do not account for inflation, investment charges, tax, changes in legislation, or personal circumstances. Past investment performance is not a guide to future performance.
You should not make financial decisions based on the output of this tool. Before taking any action in relation to your pension or retirement savings, please seek advice from an FCA-authorised financial adviser. You can find one at unbiased.co.uk or vouchedfor.co.uk.