caniretire.uk is a free UK retirement calculator that answers a practical question: if you retire with a given pension pot and target take-home income, will your money actually last through retirement?
Most pension calculators stop at the day you retire, or show gross figures that are hard to relate to real spending. We built this tool around net income — the amount that lands in your bank after tax — so you can plan in numbers that match your budget.
What it models
- Pot growth during drawdown, not just accumulation before retirement
- UK income tax bands and the 25% tax-free pension allowance (lump sum vs phased)
- State pension at your chosen qualifying age and years
- Inflation on both spending targets and the real value of your pot
- Year-by-year breakdowns with transparent assumptions you can adjust
Who it is for
Anyone in the UK exploring retirement timing, drawdown levels, or comparing tax-free strategies before speaking to a professional. It is designed for clarity and exploration, not as a substitute for regulated financial advice.
Important limitations
Results are estimates based on assumptions you enter and simplified tax rules (currently aligned with the 2025/26 tax year). Markets, legislation, and personal circumstances change. Always verify figures and seek advice from an FCA-authorised adviser before making decisions.
Sharing scenarios
The Share button encodes your inputs into the page URL so you can bookmark or send a scenario to someone else. Those values travel in the link itself; we do not store your inputs on a server. See our privacy policy for how analytics and advertising work on the site.