A free retirement planner for UK savers. Project your pension and ISA to retirement, model drawdown and the State Pension, stress-test against market crashes, and run Monte Carlo simulations — all in your browser. No account needed to try it.
Models DC pensions, ISAs, employer match, salary sacrifice, the tax-free lump sum, the State Pension and DB pensions — with UK income tax bands applied to drawdown.
Simulate an early-retirement crash, a lost decade, a 2008-style drawdown or 1970s stagflation. See how your plan holds up if sequence-of-returns risk shows up first.
Run thousands of paths with correlated equity/bond returns to see the range of outcomes, the chance of pot exhaustion, and the age your money is likely to last to.
Add a partner with their own salary, pension, contributions and State Pension. Combined drawdown and tax modelling are built in.
The PLSA's Retirement Living Standards put a "moderate" single retirement at roughly £31k/year and a "comfortable" one at around £43k (2024 figures, excluding housing costs). Couples need less per person. The honest answer is "it depends on your spending" — which is exactly what the planner asks you for, then works backwards to the pot you need.
No. Pension AI is an educational tool that runs projections from the numbers you enter. It does not recommend specific products, funds or providers. For regulated advice, speak to an FCA-authorised adviser.
No — you can use the full planner anonymously, and your inputs are saved in your browser only. Sign up only if you want to save multiple plans, sync across devices, or come back later. This is a free tool with no ads — if you find it useful, you can buy me a coffee ☕.