Our Retirement
Planning Calculator

There are many factors and components that work together to create a solid retirement plan. However, it’s often difficult to know where exactly you should begin.


You need to think about the impact of inflation, the kind of lifestyle you’ll lead, and the size of your savings. To make things easier, we’ve created a Retirement Planning Calculator, which you can use to gain a better understanding of your circumstances before you speak to a specialist.

What Is a Retirement Planning Calculator?

A Retirement Calculator is a free resource that helps estimate if your savings and investments will meet your future financial needs.

Once you gain better insight of your future finances, you can address any concerns and identify opportunities for improvement.

Why You Might Need to Use a Retirement Planning Calculator

When you’re no longer working, you may need to be careful with your finances, and meticulous planning and preparation is the best way to ensure a comfortable lifestyle.

It’s an excellent way to identify which parts of your retirement strategy are effective and which areas are lacking. You may find that your financial goals and needs change over the years, so it’s important to regularly review your retirement plan.

How Do I Use It?

The Pension Forecast Calculator is incredibly easy to use. All you’ll need is some vital information such as the sum of your existing pension fund, your regular pension savings amount per year, your expected growth or interest rate, and the value of the income you’ll need at retirement.

You’ll also need to insert your current age and your expected retirement age. You can play around with the latter and see how your finances change in accordance with your age at retirement. Then you simply sit back and relax as our Retirement Savings Calculator does the hard work.

Please fill out the form below

Your Future Pension Fund
Tax Free Lump Sum at Retirement
Income without Tax Free Lump Sum
Likely Level Annuity @ age
Likely Inflation Linked Annuity @ age
Income after Tax Free Lump Sum
Likely Level Annuity @ age
Likely Inflation Linked Annuity @ age
Drawdown Income without Tax Free Lump Sum
Likely Income of 5% of Pension Fund
Drawdown Income after Tax Free Lump Sum
Likely Income of 5% of Pension Fund

What Do My Results Mean?

We provide you with all the figures you need to understand your retirement in today’s financial terms as well as the estimated value of this money at your age of retirement.

After using the Retirement Savings Calculator, you’ll have access to a wide range of important data, such as the estimated amount of your future pension fund and the tax-free lump sum you could draw at retirement. Furthermore, you’ll see how your investments appreciate year upon year including the percentage of growth they receive.

You’ll receive all of this information and more in an illustrated graph which you can even download as a PDF. If you’re still struggling to decipher the results of your Retirement Fund Calculator, don’t worry, we’re here to help and answer any of your questions.

Our Retirement Planning Service

It’s never too early, or too late, to start your retirement planning. Your golden years should be lived out with minimal stress and worry, which is why it’s so important to have a great retirement plan in place.

Our Other Retirement Planning Tools and Calculators

All our retirement and family financial planning tools are designed to give you a better understanding about the impact your finances can have on your future. Before you speak to a specialist and voice any concerns, it’s worth using our wide range of free calculators to get a brief overview of your financial situation.

Our 2 Minute Retirement Plan

The 2 Minute Retirement Plan tool is a fantastic starting point for clients who aren’t completely sure about the kind of financial growth they’d like to achieve or how they can go about improving their retirement strategy.

Our Lifetime Cash-Flow Calculator

The Lifetime Cash-Flow Calculator is a resource that goes hand in hand with the Pension Forecast Calculator. The main difference is the level of depth they provide: the Retirement Planning Calculator provides a quick snapshot of your pension forecast, whereas our Lifetime Cash-Flow Calculator goes into greater detail.

Book a chat with one of our team

The first step to achieving your goals is to discuss your concerns with a member of our team.

Our Other Financial Planning Services

At Efficient Portfolio, we pride ourselves on offering our clients a wide range of financial planning services. Retirement planning is just the first step towards creating a financially secure future.

Estate Planning

Leaving a legacy behind for loved ones is a top priority for many of our clients. Even when you’re no longer here, you can continue to provide for your family financially and ensure your assets are handled the way you intended.


Finding your dream home is much easier than securing the best mortgage on the market. We can help you get one step closer to your ideal property by connecting you with an expert who can provide transparent mortgage advice that is bespoke to your personal requirements.

Financial Protection

Financial protection is one of the most important cornerstones of any financial plan. You’ll never be able to predict the future, but you’ll always be able to prepare for the circumstances that might come your way.

Investment Management

No two clients are the same, therefore, your investment portfolio should always be tailored to your unique needs and circumstances.