Free retirement calculator

Find your
retirement number
in 2 minutes

Enter six numbers. Get your personal target pot, projected value, and a clear verdict on whether you're on track, built on the same cashflow logic used by financial planners.

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Your personal target retirement pot
A clear on-track / shortfall verdict
Three levers to close any gap
Why people use this

The question every couple is asking

Most people have a vague sense they should be saving more. Very few know their actual number — the specific pot size they need to retire how they want, when they want. This calculator tells you.

£3,500
One flat fee. No ongoing charges, no products
2 wks
From first call to written plan in your hands
2 min
To get your complete retirement picture
How it works

Three steps to your retirement number

1
Enter your details
Your ages, pension value, savings, monthly contributions, and target monthly income in retirement. Six numbers. Takes under two minutes.
2
We run the numbers
The calculator applies compound growth, state pension assumptions, and a conservative 3.5% withdrawal rate to project your retirement position.
3
You get your verdict
A clear on-track or shortfall result, your target pot, projected value, and three specific levers to pull if you need to close a gap.
What you'll find out

Your complete retirement picture

The calculator shows you everything in one place, built on the same logic used in professional cashflow modelling.

🎯
Your target pot
The exact amount you need at retirement to fund your lifestyle, accounting for state pension and inflation.
📈
Your projected value
What your current assets and contributions are on track to grow to by your target retirement date.
⚖️
Shortfall or surplus
A clear verdict. Are you on track, nearly there, or is there a gap to close? No jargon, no vague reassurances.
🔧
The three levers
If there's a gap: how much more to save per month, how much longer to work, or what your pot could realistically support.

Financial planning that doesn't sell you anything

Ben Atherton is a Chartered Financial Planner (CII) and founder of Cadence Finance. He helps directors and senior professionals earning £80k+ get a clear, honest picture of their finances — without products, commissions, or ongoing fees.

This calculator is based on the same cashflow logic used in professional planning work, and it's completely free. If you want to go deeper, book a free 15-minute discovery call.

Chartered Financial Planner Fee-only No products Independent UK-focused

Ready to find your
retirement number?

It takes two minutes and costs nothing. The most useful two minutes you'll spend on your finances today.