Financial Calculators
Sketch the numbers behind your plan.
Quick, illustrative tools for retirement, investments, mortgages, inheritance tax and more. A helpful starting point — never a substitute for advice built around you.
Retirement pot projection
Estimate what your pension pot could grow to by the time you retire, based on what you've saved so far and what you add each month.
Assumptions & important information. Uses your assumed annual growth rate (default 5%), compounded monthly, net of charges. Enter the lump sum gross — that is, the total going into the pension including any tax relief added, not the amount leaving your bank account. It is treated as paid in today, so it grows for the whole period. This calculator does not check contributions against the annual allowance, and it does not adjust for inflation, so the real spending power of the figure will be lower. The growth rate is an assumption, not a prediction — actual returns will vary and could be negative. The value of investments can fall as well as rise and you may get back less than you invested. This is not personal advice.
Pension drawdown — how long could it last?
If you draw a fixed income from your pension pot each year, estimate how long the pot might last while the remainder stays invested.
Assumptions & important information. Assumes a level income each year (not increasing with inflation) and a constant assumed growth rate on the remaining pot, net of charges — real returns vary and can be negative, so the pot could run out sooner. Ignores tax on withdrawals and the State Pension. Taking too much too soon risks running out of money in retirement. This is an illustration, not personal advice or a guarantee.
Investment & savings growth
See how a lump sum and regular monthly contributions could grow over time with compound returns.
Assumptions & important information. Compounded monthly at your assumed rate, net of charges, and not adjusted for inflation. Assumed growth is not guaranteed; returns will vary and can be negative. The value of investments can fall as well as rise and you may get back less than you invested. This is an illustration, not personal advice or a guarantee.
Savings goal
Work out roughly how much you'd need to save each month to reach a target amount by a chosen date.
Assumptions & important information. Assumes your existing savings and future contributions grow at your assumed rate, compounded monthly, net of charges and not adjusted for inflation. Assumed growth is not guaranteed and returns can be negative, so you may need to save more. If you save in cash rather than invest, use a lower growth rate. This is an illustration, not personal advice or a guarantee.
Inheritance tax estimate
A simplified estimate of the potential inheritance tax on an estate, using the 2026/27 allowances.
Assumptions & important information. Uses the 2026/27 nil-rate band (£325,000) and residence nil-rate band (£175,000), taxing the excess at 40%. The residence nil-rate band tapers away by £1 for every £2 an estate exceeds £2,000,000. This is a simplified estimate — it ignores gifts made in the last seven years, business/agricultural relief, charitable giving, trusts, pensions and other factors, so your actual position may differ significantly. Tax treatment depends on individual circumstances and may change. The Financial Conduct Authority does not regulate inheritance tax planning, trusts or will writing. This is not personal advice.
Mortgage repayment
Estimate the monthly repayment on a capital-and-interest mortgage, plus the total you'd repay over the term.
Assumptions & important information. Assumes a repayment (capital & interest) mortgage at a constant interest rate for the whole term; in practice rates usually change. Excludes fees, insurance and any product-specific terms. Your home may be repossessed if you do not keep up repayments on your mortgage. This is an estimate only, not a mortgage illustration, quote or advice.
Numbers are a start. A plan is the rest.
These tools give you a feel for the figures. To turn them into a plan built around your life — and to stress-test it properly — book a free, no-obligation conversation.
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