UK retirement projection

See what your money could pay you per day at pension age.

Built around current UK State Pension age legislation, long-run inflation-adjusted return history, and a simple 4% withdrawal rule. Clean, fast, and tweakable.

Projected daily income

£0

at pension age

Your inputs

Use date of birth for the most accurate UK pension age.

Age Date of birth (optional, more precise) Pension pot

ISA shares

Other cash savings

Return settings

Defaults use long-run real returns, so outputs are shown in today’s money.

Pension return 5.3% ISA shares return 5.3% Cash return 0.5%

4% rule income at pension age

£0

per day in today’s money

Monthly £0

Yearly £0

Pension age 0 —

Years to go 0.0 from today

Projected pot £0 combined in real terms

How the pot grows

Each balance compounds separately using the rate shown on the left.

Pension pot £0

ISA shares £0

Cash savings £0

Method used

Minimal assumptions. Transparent defaults. Editable if your mix differs.

State Pension age is estimated from current UK law. If you enter a date of birth, the calculation uses that for higher accuracy.
Default real returns are based on long-run historical evidence: 5.3% for UK equities and 0.5% for cash-like bills. Pension and ISA default to the equity rate because no asset mix is provided.
The projected total pot is multiplied by 4% to estimate first-year retirement income, then divided by 365.25 for a daily figure.

This is a planning tool, not financial advice. It excludes future contributions, tax, fees, inflation-linked State Pension income, sequencing risk, and any changes in law.

Research sources behind the defaults

Used to keep assumptions as low and as explicit as possible.