Blincoe Financial Planning

Retirement Projection Calculator

See what your investments could be worth at retirement, and what income they might support — in today's money.

About you

Your current age

Target retirement age

Investment risk appetite

This determines the growth rate used in your projection.

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ISA

Current ISA value

Include all Stocks & Shares ISAs. Leave blank if none.

Monthly contributions to ISA

How much you're paying in each month, on average.

SIPP & Workplace Pension

Current pension value

Total across all personal and workplace pensions.

Total monthly pension contributions

Include your contributions and any employer contributions combined.

General Investment Account (GIA)

Current GIA value

Investments held outside of an ISA or pension wrapper. Leave blank if none.

Monthly contributions to GIA

Please fill in all required fields and check that your retirement age is greater than your current age.

Your retirement projection

Estimated total portfolio at retirement

ISA

Tax-free

Pension

Tax-sheltered

GIA

Taxable

Tax-free cash from your pension: You may be able to take up to 25% of your pension pot as a tax-free lump sum (currently capped at £268,275). Based on your projected pension value, that could be up to .

How this is calculated

Years to retirement

Growth rate used (real, after inflation)

Total invested today

Total monthly contributions

Projected portfolio at retirement (today's money)

Estimated retirement income

Sustainable annual income (4% withdrawal rate)

That's roughly per month

Important: This is an illustrative estimate only and does not constitute financial advice. It uses real (inflation-adjusted) growth rates and assumes contributions grow at the same rate as today. Actual returns will vary and are not guaranteed. Tax treatment depends on individual circumstances and may change. You should seek independent financial advice before making any decisions about your pension or investments.

Ready to make a plan?

Let's turn this projection into a real strategy.

A projection is a starting point. We'll help you build a plan that's personal to you — covering tax efficiency, drawdown strategy, and everything in between.

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