26 calculators · free · nothing stored
Most retirement tools answer one question: will I have enough? These answer the ones that actually decide the outcome — when the losses land, how much you can flex your spending, what care costs, whether the mortgage should go, whether you'd be forced to sell at the bottom, and how much you can give the kids without it costing you.
Everything runs in your browser and nothing is sent anywhere — only your country choice is remembered, on this device. All figures are yours to change, and every calculator has a worked example at the bottom of its page.
The big one. Your odds of running short, and the withdrawal rate that fits your own longevity rather than a generic rule.
The most useful ten minutes here. Enough in reserve that a bad market never forces you to sell at the worst moment.
The one that changes how people think. Identical returns, different order, completely different outcome.
The 4% rule against a percentage-of-balance rule and dynamic guardrails. Success rates, income variability and what flexibility is worth.
Go-go, slow-go, no-go. Retirement spending isn't a flat line — model the real shape and find the budget that works.
Dividends, bonds and REITs added up. What it pays monthly, how dependable it is, and whether it survives a recession.
Claim early or wait? Break-even age, lifetime value, and what funding the bridge years does to your portfolio.
The same returns in a different order. Identical average, wildly different outcome — and why the years either side of retiring matter most.
The largest fall your plan can absorb, against what you're actually exposed to. Stress-tested on three real bear markets.
How much cash you need so a bear market never forces you to sell shares at the bottom — and what it costs if you're short.
A stocks, bonds and cash mix built from your age, longevity, income needs and temperament, then stress-tested.
A survival curve and a portfolio simulation side by side. Your chance of running short, your safe withdrawal rate, and the buffer it needs.
What your money will actually buy in 25 years, and the return you need just to stand still.
The biggest single financial risk in later life. Probability-weighted cost, insure-or-self-fund, and how fast the money goes.
Why long bonds aren't the safe part of your portfolio, what a rate rise does to them, and how a ladder removes the problem.
Good income, uncomfortable ride. Sector-by-sector yield against volatility, rate sensitivity, and a concentration check.
Can you explain what you own in two sentences? Score the clutter, find what the layers cost, and get a plan to simplify.
What missing the ten best days costs, what panic selling costs, and the odds of getting the timing right twice.
The habits that built the savings can make retirement miserable. Score the structural causes and see what reduces them.
The largest gift your plan absorbs, what it costs you in years of security, and how to keep it fair between children.
Most people have a will and assume it's done. Score the whole checklist and see where the real risk sits.
How much you'd need to pay off to get the repayment down to a given figure.
4% on one side, 7% on the other. Net worth under both paths, the break-even return, and how often investing wins.
A 3% mortgage against 5% inflation is a negative real rate. See the annual inflation subsidy you're getting.
Debt-free but cash-poor isn't freedom. Check whether clearing the mortgage leaves you unable to reach your own money.
You clear the loan, then the market falls 35% six months later. Which version of your plan survives?
Every competing use of the same lump sum: the mortgage, the market, cash, a gift, or spending it while you can.
Debt-to-income was built for people still earning. Score your debt against assets, income and liquidity instead.
How much you could release, what it does to your cash flow, and the honest price your estate pays.
Most calculators want the same handful of numbers, so it's worth gathering them once: roughly what you have invested, roughly what you spend in a year, and how much income you receive that arrives regardless of markets — a pension, an annuity, a state pension. Approximate figures are fine. These tools are for comparing options, not for filing anything.
The picker in the top bar sets the currency and loads sensible starting figures for your part of the world — pension ages and deferral rates, care costs and thresholds, typical tax rates. The maths itself never changes; only the defaults do, and every one of them stays editable. Where a calculator works differently in your country, a short note appears explaining how.
Some of those figures are firm — pension deferral rates are set in law and are verified. Others, particularly care costs, vary so much by region that they can only ever be a starting point. Replace them with local numbers whenever you have them.
These are thinking tools, not advice. There is no tax logic or means-testing logic built into the calculations themselves — those differ everywhere and change often, so the country presets set starting values rather than trying to model any country's rules.
The honest limitation of any calculator like this: change an assumption and you change the answer. That's a feature rather than a flaw. The value isn't in any single number — it's in seeing which levers actually move things, so you know what to focus on and what to stop worrying about.