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Free: How to read your State Pension forecast — and fix any gaps
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Free: The 5 questions every 50-year-old should be asking about their pension
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Educational guidance only — not regulated financial advice.

Important: This is a free educational tool providing illustrative estimates only. It does not constitute regulated financial advice. Ben Atherton is not FCA-authorised.
Ben Atherton
Chartered Financial Planner · CII
Free · Illustrative tool

Retirement Clarity
Calculator

Enter your numbers and see an illustration of where you might stand — built around your pension, your target income, and your timeline.

For illustration only. This tool uses simplified assumptions (6% annual growth to retirement, 3.5% annual withdrawal rate in retirement) and the figures you provide. Real outcomes depend on investment performance, charges, inflation, tax, and your personal circumstances — none of which are captured here. Do not make financial decisions based on this output. Always seek advice from an FCA-authorised financial adviser.
Your details
Required
Required
Required
Required
Add up all pension values from recent statements — workplace, personal, and SIPPs.
Required
Your contribution plus your employer's contribution combined.
Required
What you'd like to spend per month, in today's money. Include everything — not just essentials.
Other income sources
Optional — improves accuracy

Including these reduces the amount you'll need to draw from your pension pot — which can significantly change the picture.

Optional
The full new State Pension is £998/month (2024/25). Check your personal forecast at gov.uk/check-state-pension. Leave blank if unsure.
Optional
Your projected DB income at retirement from your scheme's annual benefit statement. Leave blank if you don't have a DB pension.
Optional
Rental income, annuity, or any other regular income you expect in retirement.
Illustrative shortfall
£0

Illustration based on: 6% annual growth to retirement · 3.5% annual withdrawal rate · figures you entered · today's money. Not a guarantee or forecast. Real outcomes will differ.
How the illustration is calculated
Projected pot at age Current pot grown at 6% + contributions grown at 6%
Monthly income your pot could generate Projected pot × 3.5% withdrawal rate ÷ 12
Total illustrative monthly income vs your target of /month
What this illustration doesn't capture
This is a simplified model. It does not account for inflation (£1 today buys less in 20 years), investment charges (which reduce effective returns), tax on pension withdrawals, sequence-of-returns risk (a significant fall early in retirement can be highly damaging even if markets recover), or any changes in your circumstances. A Chartered Financial Planner using professional cashflow modelling software will model all of these. Use this illustration as a starting point for a conversation — not a plan.
The next step
See your real numbers —
modelled by a Chartered Planner
This calculator gives you a rough picture. A 60-minute Retirement Clarity Session uses Timeline — professional cashflow modelling software — to model your actual numbers across three scenarios. You'll see exactly where you stand. Live. On screen.
60 minutes on Google Meet — no travel required
Three scenarios modelled live in Timeline software
PDF summary report sent within 48 hours
Delivered by a Chartered Financial Planner (CII)
Book your session — £197 →

Secure payment via Stripe · Crystal Clear Guarantee · Sessions within 5–10 working days

Things you can do right now — for free
1
Check your State Pension forecast
Takes 10 minutes. Shows your projected amount and any NI gaps you can fill. Potentially worth thousands. gov.uk/check-state-pension →
2
Trace any lost or forgotten pensions
The average UK worker has 11 jobs in their lifetime. Old pensions are easy to lose track of. gov.uk/find-pension-contact-details →
3
Check you're getting full employer matching
Many employers will match pension contributions up to a higher level than the minimum. If you're not contributing enough to get the full match, you're leaving salary on the table.
4
Download the Retirement Ready Report
A free 47-point self-audit that shows you exactly where your retirement planning stands across eight key areas — with a scored RAG rating. Get the free report →
Important — please read: Ben Atherton 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 projection.

The calculations use simplified assumptions — 6% annual investment growth and a 3.5% annual withdrawal rate — which will not reflect your actual circumstances. Figures are shown in today's money and do not account for inflation, investment charges, income tax, changes in legislation, sequence-of-returns risk, or personal circumstances. Past investment performance is not a guide to future performance. The 3.5% withdrawal rate is derived from long-run research but is not a guarantee that your money will last any particular period.

Do not make financial decisions based on the output of this tool. Before taking any action in relation to your pension or retirement savings, seek advice from an FCA-authorised financial adviser. You can find one at unbiased.co.uk or vouchedfor.co.uk.