Your plan/Your plan

Monday 26 October

Your plan

About you

Plan name
Date of birthSets your State Pension age and when pensions unlock
Plan runs to age

Your pots

PotBalance todayPaid in
Balance today
Paid in
Balance today
Paid in

Retirement

How growth, inflation and fees work
Spending each month, in today's money£2,200

About what you spend now, minus the mortgage and the commute.

Growth scenarioBefore inflation and 0.4% fees
Tax-free lump sum25% of a pension is tax free, as a slice of each withdrawal or all at once
Other income in retirementA defined benefit pension, rent or part-time work, each month before tax
Lump sum when you stopDownsizing, an inheritance, a sale: one sum arriving at retirement
Advanced: growth, inflation and fees
Growth a yearThe scenario assumes 5%
%
Inflation a yearThe scenario assumes 2.5%
%
Fees a yearThe scenario assumes 0.4%
%

State Pension

How your State Pension is worked out
Qualifying years so farFrom your National Insurance record on gov.uk
ForecastFull amount: 35 years by the time you stop
£241.30 a week

Work becomes optional at

Not by 80

Even working to 80, the money runs out at 80. Save more, spend less, or plan to a younger age.

Sign in to save this plan
Your pots from today to 95Today's money
How we worked this out
  • Pot when you stop£0
  • Pensions unlock57, January 2037
  • Growth after fees and inflation2.0% a year
  • Inflation2.5% a year
  • Tax in retirementabout £0 a year
  • Left at 95£0
  • State Pension£12,548 a year from 68
  • Lifetime ISA unlocks60
  • Tax-free allowance£12,570, basic rate to £50,270
  • Lump sum allowance£268,275
  • Tax year2026/27, England