The tool
Clean, intuitive, powerful
Enter your details on a single page in a few minutes. Everything updates instantly. Explore charts on every page — sliders let you stress-test in real time.
Find out exactly when you can afford to stop working.
A full UK pension and retirement calculator — built for real people, not advisers.
Whether you're just starting to think about retirement or ready to model every detail — Time to Retire has you covered.
Map what you spend today versus what you'll need in retirement. Essential, discretionary and luxury spending — side by side. See exactly what your retirement lifestyle will cost.
Try free →All your assets, all your income sources, full UK tax modelling, IHT planning, Monte Carlo stress testing, care costs, gifting strategy and scenario comparison. Model 30–40 years of retirement year by year in today's money.
Enter your details on a single page in a few minutes. Everything updates instantly. Explore charts on every page — sliders let you stress-test in real time.
Real outputs from real planning scenarios — not mock-ups.
Every asset you own — Defined Contribution (DC) / SIPP pensions, ISAs, cash savings, premium bonds, property, business assets — tracked from today to age 95+ in today's money. Watch how each pot grows, depletes and interacts over your full retirement horizon.
Year-by-year breakdown of income falling in each tax band — tax-free, basic rate, higher rate and additional rate. Understand how drawdown timing, ISA withdrawals and your tax-free pension cash affect your lifetime tax bill.
100-path Monte Carlo simulation tests your retirement against random market sequences. The probability tiles show clearly whether your plan stays funded for as long as you need — so you can retire with genuine confidence, not just hope.
Full inheritance tax modelling including the post-2027 pension IHT rules. Model a gifting programme, see the 7-year taper effect, and calculate what each beneficiary actually receives — after inheritance tax and their own income tax — for basic, higher and additional rate earners.
State Pension, DB pension, DC/SIPP drawdown, ISA and cash — all modelled together showing exactly where your money comes from each year. See how your income mix evolves through retirement as each source starts and stops.
Retire at 58 versus 62. Spend £50k versus £75k. Draw pension first versus ISA first. Adjust sliders and instantly see how two completely different plans compare across portfolio, income, tax and inheritance — all in one view.
Built to handle real complexity — without making you feel like you need a financial degree to use it.
Full joint modelling — survivor income, first and second death, spousal IHT exemption, separate pots and retirement ages.
DC/SIPP, ISA (Cash & S&S), Cash, Premium Bonds, DB pension, State Pension, property, business assets, equity release.
Income tax by band per person, personal allowance taper, PSA, Lump Sum Allowance, PCLS, UFPLS-style drawdown and hybrid strategies — every year of the plan.
Finance Act 2024 pension IHT rules already built in. NRB, RNRB, taper relief, gifting and per-beneficiary inheritance.
Model annual gifts to children, see the 7-year taper effect, and calculate net inheritance for each tax bracket of beneficiary.
100-path stress test across random market sequences. Clear probability of your plan succeeding for as long as you need it to.
Run two completely different plans side by side with independent sliders. Compare portfolio, income, tax and IHT instantly.
Optional late-life care costs modelled as an additional draw. Understand the financial impact before it becomes a reality.
Full lifetime schedule — every income source, tax, care cost and gift, year by year. Export to Excel and CSV.
Set different income targets across four life phases — reflecting how spending actually changes through retirement.
Enter net value after CGT/BADR, set a sale age, and watch proceeds convert to cash in the year of sale.
Model property drawdown at a chosen age — lump sum, annual income, or both. Rolled-up interest reduces the estate.
The same depth of analysis a paid adviser plan gives you — but you're in control, with no appointments to book and no data leaving your device.
← Swipe to compare →
| Feature | ⏰ Time to Retire | Free calculators | Adviser platforms |
|---|---|---|---|
| Couples modelling | ✓ | ✗ | ✓ |
| IHT with 2027 pension rules | ✓ | ✗ | ✓ |
| Income tax on inherited pension | ✓ | ✗ | ✓ |
| Monte Carlo stress test | ✓ | ✗ | ✓ |
| Side-by-side scenario comparison | ✓ | ✗ | ✓ |
| Real-time sliders for instant what-ifs | ✓ | ✗ | Varies |
| Change assumptions yourself, no appointment needed | ✓ | ✓ | Varies |
| Unlimited scenarios, run whenever you like | ✓ | ✓ | Limited |
| Care cost modelling | ✓ | ✗ | ✓ |
| Gifting strategy & 7-year taper | ✓ | ✗ | ✓ |
| Business asset sale modelling | ✓ | ✗ | ✓ |
| Works on Computer, Tablet & Phone | ✓ | ✓ | Varies |
| Data stays on your device | ✓ | ✗ | ✗ |
| Price | £5.99/mo or £49 once | Free | £1,000s/yr |
Time to Retire runs calculations on the numbers and assumptions you enter. It does not know your full circumstances, it does not give recommendations, and it is not a substitute for regulated financial advice.
Try the budget planner free. Then pick how you pay for the full planning tool — low commitment month to month, or pay once and it's yours for good.
✕ Cancel any time — no long-term commitment
Retirement planning means entering sensitive financial details. Time to Retire is built so that information never has to leave your device.
Nothing to sign up for. Paste in the code from your purchase email once, and your browser remembers you after that.
Everything you enter runs locally and never touches a server. The one-time check when you unlock the tool only confirms your purchase code — it contains no personal or financial information.
Your inputs are stored in your browser's local storage only. We never see them.
We don't track how you use the tool or what numbers you enter. Ever.
We don't run marketing campaigns. Any email about your order (receipt, download link, updates) comes from Paddle as part of processing it.
Buying the tool requires our payment provider, Paddle, to collect your email and payment details to process the transaction — see our Privacy Policy.
Your pension values, savings and personal details never touch a server — not even once. Unlocking the tool only checks your purchase code, which carries no personal information of its own.
