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Pension Passport ✈️

Plan. Estimate. Explore the world.

About you
Planning for

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.

Your pot
Your contributions

Fill in your future pension contributions. You can split them into three stages.

Build

Build momentum while your career is in full swing.

Coast

Maybe you want to slow down. Ease into a lighter pace.

Top up

Final stretch. Make the most of your final working years.

Your assumptions
Annual growth

Average yearly return after fees, before inflation.

Annual inflation

Used to show your pot in today's money.

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

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.

Where can your pension take you?

Take a trip through 42 countries, a mix of popular retirement destinations and today's favourite holiday spots.

Each country is scored on healthcare, climate, safety, how easily a foreigner can buy property, its tax and visa rules, and whether your UK State Pension keeps rising there. Cost of living isn't scored. Instead, Cost ± shows how much your projected income leaves you each year after living costs there.

All 42 countries