Retirement plan calculator
An illustration of how savings rate and returns change the years until a portfolio could cover spending at your chosen withdrawal rate. Not personal advice.
£
£
£
%
£
%
%
Show more options
£
Leave blank to use today’s expenses
You can retire in 12.4 years
- Savings rate
- 60%
- Independence number
- £500,000
- Annual / monthly expenses
- £20,000 / £1,667
- Annual / monthly savings
- £30,000 / £2,500
UK pension access ages
The earliest age you can usually access a private pension is rising to 57 from 2028, and the State Pension age is 67 for most people. Early-retirement plans often need a bridge from ISAs, cash or other savings.
Years to retire vs savings rate
Click a bar to set that savings rate.
Higher savings rates usually shorten the years to the independence number, all else equal.
Built for FinPlanly. Use the buttons to set a savings rate from the chart.
Savings rate table
| Savings rate | Years to retire |
|---|---|
| 10% | 51.4 |
| 20% | 36.7 |
| 30% | 28.0 |
| 40% | 21.6 |
| 50% | 16.6 |
| 60% | 12.4 |
| 70% | 8.8 |
| 80% | 5.6 |
| 90% | 2.7 |
Portfolio growth
Estimated portfolio grows from £0 toward an independence number of £500,000.
| Period | Value |
|---|---|
| Year 0 | £0 |
| Year 1 | £30,000 |
| Year 2 | £61,500 |
| Year 3 | £94,575 |
| Year 4 | £129,304 |
| Year 5 | £165,769 |
| Year 6 | £204,057 |
| Year 7 | £244,260 |
| Year 8 | £286,473 |
| Year 9 | £330,797 |
| Year 10 | £377,337 |
| Year 11 | £426,204 |
| Year 12 | £477,514 |
| Year 13 | £531,389 |
Dashed target: independence number £500,000 (shown in the summary; chart scales to portfolio path).
Assumptions
- Expenses stay the same until retirement (unless you override them).
- You do not draw down the portfolio before independence.
- Income is after tax; returns are after tax and inflation.
- This is an estimate for information — not a forecast or advice.
Based on 2026/27 rules. Last checked 2026-10-13.