Overview
Retirement Wealth Check
retirementwealthcheck.co.uk · For illustrative purposes only · Not financial advice
Printed: 02 June 2026
Retirement Wealth Check
Fill in Your Profile below and every tool on this site will instantly personalise itself to your numbers — showing how long your money could last, what you can afford to spend, and where the risks lie.
🔒 Nothing you enter is ever sent to our servers — all data stays on your own device.
Your Profile
Who is this site for? This tool is designed for UK tax residents at or above the Normal Minimum Pension Age (NMPA) — currently 55, rising to 57 in April 2028. If you are below this age you are still welcome to explore the tool, but be aware the figures could be materially off for your situation.
Effective Monthly Income
—
Income after estimated tax
—
Estimated Annual Tax
—
Basic rate on taxable income
—
Capital gains on non-ISA investments not included — see Tax Optimiser →
Pot Longevity
28 yrs
Savings + pension, after loans, with 5% growth & 3% inflation. Excludes property value.
✓ Well funded
Where Your Money Sits
Financial Wealth Score
Based on pot longevity, income coverage and total funds
Good
Key Recommendations
Best, Middle & Worst Case
A rough guide to how a run of good or bad luck could change things. Figures shown in today's money.
Three Scenarios Over Time (today's money)
How your total funds could track under each scenario, year by year.
What Can I Afford to Spend Each Month?
Using all the figures in Your Profile — pension, savings, State Pension, and other income — we calculate the maximum monthly spending that keeps your funds intact to your target age.
Target age: 90 (set in Your Profile above)
ℹ️ How this projection works
Figures are shown in today's money (real terms), using your profile growth rates minus 3% inflation. The pension pot and savings/investments are modelled separately using your own growth rate assumptions. Your State Pension is included as income from the age derived from your date of birth, and loan repayments are treated as spending. Income tax is estimated at basic rate on pension and other taxable income. Capital gains tax on non-ISA investments is not included — if you are drawing down from non-ISA holdings at a profit, this may affect your position. This is a guide only — real-world returns, tax, and personal circumstances will differ. For personalised advice, speak to a regulated independent financial adviser.
Figures are shown in today's money (real terms), using your profile growth rates minus 3% inflation. The pension pot and savings/investments are modelled separately using your own growth rate assumptions. Your State Pension is included as income from the age derived from your date of birth, and loan repayments are treated as spending. Income tax is estimated at basic rate on pension and other taxable income. Capital gains tax on non-ISA investments is not included — if you are drawing down from non-ISA holdings at a profit, this may affect your position. This is a guide only — real-world returns, tax, and personal circumstances will differ. For personalised advice, speak to a regulated independent financial adviser.
📅
Get More From This Tool — Revisit It Annually
The figures here are a snapshot based on today's numbers. Rather than relying on our long-term assumptions, why not print your Overview and come back in 12 months with your updated figures? Comparing last year's forecast with what actually happened is one of the most useful things you can do for your retirement planning — and far more revealing than just projecting decades into the future.
Ready to turn these numbers into a real plan?
Retirement Wealth Check gives you the picture — a regulated independent financial adviser gives you the plan. Find a specialist who can review your pension, tax position, and investments in one place.
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Your Retirement Milestones
Get expert help with your retirement
These FCA-regulated services can help you take the next step — from free guidance to full independent advice.
Find an IFA
Search thousands of FCA-regulated independent financial advisers by location and speciality
Search Unbiased →
Rated Advisers
Read verified client reviews and find top-rated retirement planning specialists near you
Browse VouchedFor →
Free Guidance
Free, impartial retirement guidance from the government-backed Money & Pensions Service
Visit MoneyHelper →
Pension Wise
Free government guidance on your defined contribution pension options — book a free appointment
Book Free Session →
Check FCA Register
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Check Register →
Not sure where to start?
Use our adviser finder to match you with the right type of professional for your situation
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Drawdown Tool
Retirement Wealth Check
retirementwealthcheck.co.uk · For illustrative purposes only · Not financial advice
Printed: 02 June 2026
Drawdown Tool
See how long your combined savings, investments and pension will last — and explore your options.
Your Position (from Your Profile)
These figures are set on the Overview page, so everything you explore here always starts from the same numbers. Edit in Your Profile →
Current Age
65
Target Age
90
Savings & Investments
£0
Pension Pot
£0
Your Spend vs Your Maximum
Use this tool to compare the Monthly Spending you entered in Your Profile against the most you could sustainably withdraw to your target age, and see what that leaves you with — a lump sum remaining, or a deficit — by your target age. Move the sliders to see all of it change live.
Sliders start at your profile rates and target age. These figures are estimates only — real-world interest rates, inflation and returns will differ from the assumptions used here, so it's worth coming back and checking this every year with your actual, up-to-date numbers rather than relying on a single projection made years in advance.
Key Recommendations
ℹ️ How this works
We draw down your savings & investments first, then your pension, since pension withdrawals above your Personal Allowance are taxed at the basic rate (20%) while savings and ISA withdrawals aren't.
We draw down your savings & investments first, then your pension, since pension withdrawals above your Personal Allowance are taxed at the basic rate (20%) while savings and ISA withdrawals aren't.
Combined Pot Value Over Time (today's money)
Use this tool to test any monthly figure and see the long-term result on the chart.
📅
Get More From This Tool — Revisit It Annually
Getting your drawdown strategy right can make a significant difference to how long your money lasts and how much tax you pay. Why not print this page and come back in 12 months with your updated figures? Comparing last year's numbers with what actually happened is far more revealing than projecting decades into the future.
Get expert help with your retirement
Getting your drawdown strategy right can significantly affect how long your money lasts and how much tax you pay. These services can help.
Find an IFA
Search thousands of FCA-regulated independent financial advisers by location and speciality
Search Unbiased →
Rated Advisers
Read verified client reviews and find top-rated retirement planning specialists near you
Browse VouchedFor →
Free Guidance
Free, impartial retirement guidance from the government-backed Money & Pensions Service
Visit MoneyHelper →
Pension Wise
Free government guidance on your defined contribution pension options — book a free appointment
Book Free Session →
Check FCA Register
Always verify your adviser is properly authorised by checking the FCA Financial Services Register
Check Register →
Not sure where to start?
Use our adviser finder to match you with the right type of professional for your situation
Find My Adviser →
Tax Optimiser
Retirement Wealth Check
retirementwealthcheck.co.uk · For illustrative purposes only · Not financial advice
Printed: 02 June 2026
Tax Allowance Optimiser
Make sure you're using every allowance available to you and not paying more tax than necessary.
Your Tax Inputs (2026/27)
Your Tax Bill Estimate
Estimated Annual Tax
£0
Based on your inputs
Potential Saving Available
£0
You're fully optimised!
Your Available Allowances (2026/27)
Personal Allowance
Tax-free income from all sources
Used: £0 of £12,570
£12,570
Savings Interest Allowance
Basic rate: £1,000 / Higher rate: £500
Used: £0 of £1,000
£1,000
Dividend Allowance
Tax-free dividends from shares
Used: £0 of £500
£500
Capital Gains Allowance
Tax-free gains from selling assets
Used: £0 of £3,000
£3,000
⚠️ Capital Gains Tax on investments
If you sell non-ISA investments at a profit, Capital Gains Tax (CGT) may apply. Basic rate taxpayers pay 18% on gains above the £3,000 annual allowance. ISA investments are completely exempt. This is worth factoring in if you are drawing down from a non-ISA portfolio — the tax could meaningfully affect how long your funds last. Enter your estimated gains in the Capital Gains field above to check your position.
If you sell non-ISA investments at a profit, Capital Gains Tax (CGT) may apply. Basic rate taxpayers pay 18% on gains above the £3,000 annual allowance. ISA investments are completely exempt. This is worth factoring in if you are drawing down from a non-ISA portfolio — the tax could meaningfully affect how long your funds last. Enter your estimated gains in the Capital Gains field above to check your position.
ISA Allowance
Shelter up to £20,000/year from all tax
Annual limit: £20,000
£20,000
📅
Get More From This Tool — Revisit It Annually
Tax rules change and your personal circumstances evolve — worth reviewing your position each year. Why not print this page and come back in 12 months with your updated figures? Comparing last year's numbers with what actually happened is far more revealing than projecting decades into the future.
Get expert help with your retirement
Tax planning in retirement is complex and very personal. A regulated adviser can help you make the most of your allowances and structure your income efficiently.
Find an IFA
Search thousands of FCA-regulated independent financial advisers by location and speciality
Search Unbiased →
Rated Advisers
Read verified client reviews and find top-rated retirement planning specialists near you
Browse VouchedFor →
Free Guidance
Free, impartial retirement guidance from the government-backed Money & Pensions Service
Visit MoneyHelper →
Pension Wise
Free government guidance on your defined contribution pension options — book a free appointment
Book Free Session →
Check FCA Register
Always verify your adviser is properly authorised by checking the FCA Financial Services Register
Check Register →
Not sure where to start?
Use our adviser finder to match you with the right type of professional for your situation
Find My Adviser →
State Pension
Retirement Wealth Check
retirementwealthcheck.co.uk · For illustrative purposes only · Not financial advice
State Pension Optimiser
Understand your State Pension options and find the best claiming strategy for your situation.
Your State Pension Details
State Pension Projections
Annual State Pension
£9,628
At your current entitlement
If Deferred
£9,628
+0% uplift
Break-even Age
N/A
When deferral pays off
Deferral Comparison — Cumulative State Pension Received
| Age | Claim Now (£/yr) | Defer 1yr (£/yr) | Defer 2yrs (£/yr) | Defer 3yrs (£/yr) | Best Strategy |
|---|
📅
Get More From This Tool — Revisit It Annually
Equity release is a major long-term decision with significant implications for your estate and future flexibility. Why not print this page and come back in 12 months with your updated figures? Comparing last year's numbers with what actually happened is far more revealing than projecting decades into the future.
Get expert help with your retirement
Equity release is a major long-term decision with significant implications for your estate and future flexibility. Independent advice is strongly recommended.
Find an IFA
Search thousands of FCA-regulated independent financial advisers by location and speciality
Search Unbiased →
Rated Advisers
Read verified client reviews and find top-rated retirement planning specialists near you
Browse VouchedFor →
Free Guidance
Free, impartial retirement guidance from the government-backed Money & Pensions Service
Visit MoneyHelper →
Pension Wise
Free government guidance on your defined contribution pension options — book a free appointment
Book Free Session →
Check FCA Register
Always verify your adviser is properly authorised by checking the FCA Financial Services Register
Check Register →
Not sure where to start?
Use our adviser finder to match you with the right type of professional for your situation
Find My Adviser →
Equity Release
Retirement Wealth Check
retirementwealthcheck.co.uk · For illustrative purposes only · Not financial advice
Equity Release Calculator
Understand how much equity you could release from your home, and the long-term impact on your estate.
📊
These figures are illustrative estimates only
The maximum release amounts shown are based on typical industry averages — actual offers from lenders will vary depending on your age, health, property type, and the lender's own criteria. Interest rates change regularly and may differ from the default shown. The only way to get an accurate figure is to speak to a qualified equity release adviser who can obtain real quotes from lenders on your behalf. Always use a provider registered with the Equity Release Council.
Your Property Details
Choose Your Release Option
🏠 Lump Sum Lifetime Mortgage
Release a fixed amount now. Interest rolls up until the property is sold.
£80,000 available
📅 Drawdown Lifetime Mortgage
Set a limit and draw down as needed — interest only accrues on what you use.
£80,000 limit
🏡 Home Reversion Plan
Sell a share of your property in exchange for a cash lump sum or income.
£40,000–£56,000 typical
Long-Term Estate Impact
Equity Released
£80,000
Debt After 10 Yrs
£149,000
Property in 10 Yrs
£430,000
Net Equity in 10 Yrs
£281,000
Important: Take regulated advice
Equity release is a major financial decision. Always speak to a qualified equity release adviser and use a provider registered with the Equity Release Council.
Guides
Retirement Guides
In-depth, plain-English guides to help you understand the key decisions facing you in retirement.
How does the State Pension work in 2026?
How much you'll get, qualifying years, when you can claim, and whether deferring is worth it.
Read full guide →
5 ways to reduce your Inheritance Tax bill
Gifting allowances, the 7-year rule, the Residence Nil-Rate Band, charity gifts, and trusts.
Read full guide →
Equity Release explained: is it right for you?
Lifetime mortgages vs home reversion, the key trade-offs, and what to check first.
Read full guide →
How much do you really need to retire comfortably?
Retirement Living Standards benchmarks, the 4% rule, and why your own numbers matter most.
Read full guide →
Understanding pension drawdown: a complete guide
The 25% tax-free lump sum, how withdrawals are taxed, and sequencing risk explained.
Read full guide →
Planning for care costs: what you need to know
Means-test thresholds, typical care costs, NHS Continuing Healthcare, and practical steps.
Read full guide →
Cash vs investments: the basics every retiree should know
The trade-off between safety and growth, and why most retirees benefit from holding both.
Read full guide →
Inflation: the quiet force behind every figure on this site
Why we show every figure in today's money, and how real return is calculated.
Read full guide →
These guides are for general information only
They do not constitute financial, legal, or tax advice and should not be relied upon as such. Rules and allowances change regularly. Always seek advice from a qualified, FCA-regulated financial adviser before making decisions based on this information.