Plan. Estimate. Explore the world.
A couple's cost of living is compared at 1.7× a single person's budget. For couples, input the age of the partner who will contribute for longer, joint pension pot and joint contributions.
Build momentum while your career is in full swing.
Maybe you want to slow down. Ease into a lighter pace.
Final stretch. Make the most of your final working years.
Average yearly return after fees, before inflation.
Used to show your pot in today's money.
Money in the future will not buy as much if prices rise. Today's money shows its estimated spending power in today's prices, after allowing for inflation.
The share of the pot you take each year. 4% is the common rule of thumb, but it ignores tax, market sequence risk, and how long you live.
Market sequence risk is about timing. A bad market run early in retirement hurts more than the same run later, because you are drawing from a smaller pot. This projection uses one steady growth rate, so it does not replicate the market's ups and downs.
Take a trip through 39 countries, a mix of popular retirement destinations and today's favourite holiday spots, all scored on how comfortable life could get.