What could your future look like?

Can I retire on £500,000 at age 60?

The amount you need depends on your income target, housing costs, other income and how long retirement lasts. A pot size alone cannot answer the question. These examples start at age 60 and run to age 95.

Monthly growth and month-end withdrawals; income rises once a year with inflation. State Pension is assumed to rise at the same rate, with no surplus reinvested. All figures are before tax. No separate tax-free lump sum, other income, future contributions or additional fees are modelled. Growth is constant: market falls early in retirement can produce worse outcomes. Lasting to 95 in this illustration does not prove an income is sustainable.

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How could £200 a month become £100,000?

Starting from zero, contributions alone take 41 years and 8 months. Growth could shorten that period, but investment returns are uncertain. A £100,000 future balance will buy less than £100,000 today.

Fixed deposits at month end, annual effective return converted to a monthly rate, starting balance £0. Target is £100,000 in future pounds. Tax and inflation are excluded; use a return after fees. This does not recommend an investment or guarantee growth.

What happens if I retire five years earlier?

Choose when to stop work and explore the years your pension needs to cover.

All results are in today’s money. Growth is adjusted for inflation; contributions and withdrawals are constant in purchasing power. Contributions stop at retirement, then withdrawals occur monthly until age 95. State Pension and other income are excluded: enter only the income this pot must supply. Check your pension access age separately. All illustrations exclude tax and lump sums, use returns after fees and do not predict actual investment performance.

What could an extra £100 a month add to my pension?

Separate your extra contributions from their potential growth.

Starts at zero and shows only the extra contributions, not your existing pension. Fixed deposits at month end; nominal annual effective growth converted to a monthly rate. Future pounds and inflation-adjusted buying power are shown separately. All illustrations exclude tax and lump sums, use returns after fees and do not predict actual investment performance.

What if markets fall just as I retire?

Explore a one-off fall at retirement while withdrawals continue.

The fall happens immediately before retirement withdrawals begin. The chart starts after the fall. Normal assumed growth then resumes, with no automatic bounce-back. State Pension, other income and new contributions are excluded. A 20% fall is an example, not a forecast or worst case; timing and severity vary. All illustrations exclude tax and lump sums, use returns after fees and do not predict actual investment performance.