Calculate if retiring at 65 with £300,000 in savings is sustainable.
Retiring at 65 with £300,000. This projection shows whether this combination is sustainable with £25,000 annual spending.
Your current age in years
The age you'll stop working and start drawing from savings
Total current savings and investments (in pounds)
Your expected annual expenses in retirement (in pounds)
Annual investment return percentage (5-7% is typical for balanced portfolios)
Expected annual inflation (2-3% is a common long-term assumption)
Age to plan for (UK life expectancy is around 81, but planning to 90+ is prudent)
Expand sections below to add detailed inputs for more accurate projections.
Portfolio returns are assumed to be 5% annually, compounded yearly. This does not account for market volatility or sequence of returns risk.
Spending increases by 2.5% annually to account for inflation. Actual inflation may vary significantly over time.
Annual spending is assumed to be constant in real terms, adjusted only for inflation. This does not account for changes in spending patterns, major expenses, or healthcare costs in retirement.
This calculator provides projections based on the inputs and assumptions provided. It is not financial advice and should not be used as the sole basis for financial decisions. Consult with a qualified financial advisor before making retirement decisions.