Pension reality

Could I afford to retire?

See how your ISA, pension and later income could support the life you want—year by year.

An illustration, not a retirement forecast or financial advice.

Shape your retirement story

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The timeline

When work stops and each source of income begins.

Current ageyearsRetire atyearsPrivate pension accessyearsUsually 57 from April 2028; protected or scheme ages can differState Pension ageyearsSeparate government pension; depends on date of birth

Money today

The assets already working towards your future.

ISAPensionHome valueShown separately from spendable savingsPlan untilyearsPlanning horizon, not a lifespan prediction

The life you want

Spending, housing and later guaranteed income.

Monthly lifestyleAfter tax, in today's money, excluding housingMonthly rent or mortgageRent or mortgage still payable; use £0 if paid offState Pension per yearFull 2026/27 rate before tax; edit to match your forecastTax region

We will translate this into an account-by-account timeline, lifestyle benchmark and stress-tested outcome.