When can I actually
retire?
When Can I Retire? is a free UK retirement planner. Answer three quick questions and see your earliest retirement date — before you fill in a single form.
Guidance, not financial advice — and nothing you enter ever leaves your device.
See the whole journey, not just a number
Every plan shows your pot month-by-month — when it peaks, how long it lasts, and whether it survives a bad decade. Here's a sample household.
On track — and resilient
Survives a 2008-style crash in year one with income intact.
Sample figures shown for illustration — your plan uses your own numbers.
Built like a proper plan — not a back-of-envelope guess
Months modelled, one at a time
Pensions, ISAs, investments and property projected month-by-month to your hundredth birthday — so you see exactly when the money runs thin, not just an average.
Real UK tax built in
Income tax, the 25% tax-free lump sum and State Pension age — all current, England, Wales & NI.
Stress-tested, not sugar-coated
Run a market crash or higher inflation and watch whether your plan still holds. The honest answer beats the comforting one.
Private by default
Everything computes in your browser. Nothing is uploaded; sign in only if you want to save a plan.
An assistant that explains, in plain English
Not sure what a number means, or want to try “what if I worked two more years?” — ask the assistant on any page and it walks you through it.
Starting takes about two minutes
Tell us the basics
Your age, your pots and roughly what you'd like to spend. Six questions to a first result — or upload a spreadsheet if you have one.
See your verdict
An earliest retirement date, the income it sustains, and a clear on-track / at-risk read — with the chart behind it.
Refine with confidence
Adjust contributions, retire earlier, stress-test a crash. Watch the date move and find a plan you can trust.
Confidence, with the right caution
This is a planning tool to help you think clearly — it doesn't replace regulated advice. We point you to the official, free UK services when you want a person.
Tax data current for 2026/27 · last reviewed June 2026 · England, Wales & Northern Ireland.
Your retirement date is two minutes away
See where you stand today, for free — then decide what to change.