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Unity Oak's Trust

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Retirement Calculator

See if you're on track for the retirement you want. Includes State Pension estimates for UK residents.

Your retirement details

years
18 49 80
years
55 65 75
£
£0 £250k £500k
£
£0 £1,000 £2,000
Estimated pension pot at age 67
£246,500

Estimated annual income in retirement
£14,790
*Based on 4% withdrawal rule. Assumes 5% annual growth.
UK State Pension Included
£10,600/year (2024/25 rate)
55

Pension access age (rising to 57 in 2028)

66

Current State Pension age

67

State Pension age (from 2026)

75

Tax-free lump sum deadline

The 4% Rule

A common rule of thumb: withdraw 4% of your pension pot in your first year of retirement, adjusting for inflation thereafter.

Tax-Free Lump Sum

You can usually take 25% of your pension pot tax-free when you access your pension.

International Pensions

We offer QROPS and international SIPPs for clients moving abroad.

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