About Can I Retire

Can I Retire is a free, UK-based retirement calculator designed to help people understand their financial future. We believe everyone deserves access to clear, transparent tools for retirement planning without the complexity of expensive financial software or the pressure of sales pitches.

Our goal is to provide a straightforward calculator that helps you answer the fundamental question: "Can I afford to retire?" by modelling your savings, spending, and timeline in a way that's easy to understand.

We provide a deterministic retirement calculator that projects your portfolio balance over time based on your inputs. Unlike simple rule-of-thumb calculators, our tool models year-by-year portfolio depletion, showing you exactly when your savings might run out.

The calculator is designed to be:

• Free to use - No hidden fees, no premium tiers
• Transparent - Clear methodology and assumptions
• UK-focused - Designed for UK residents with £ currency
• Privacy-focused - Your financial data stays in your browser
• Educational - Helps you understand retirement planning concepts

Retirement planning is complex, and many existing tools are either too simplistic (using generic rules that don't apply to everyone) or tied to financial products with sales agendas.

We wanted to create something different: a tool that:

• Shows the actual math behind retirement projections
• Explains the assumptions clearly
• Doesn't try to sell you anything
• Respects your privacy by processing data locally
• Is accessible to everyone, regardless of financial knowledge

Can I Retire is an educational tool, not a substitute for professional financial advice. The calculator provides projections based on the inputs you provide, but:

• It doesn't account for market volatility or sequence of returns risk
• It assumes constant returns and inflation, which is unrealistic
• It doesn't include taxes, fees, or healthcare costs
• It doesn't consider pension income, Social Security, or other sources

We strongly recommend consulting with a qualified financial advisor before making retirement decisions. This calculator is a starting point for planning, not a definitive answer.