Retirement Age Calculator
Find your estimated State Pension age from your date of birth, then project your pension pot and a sustainable retirement income.
Not financial advice. This calculator gives estimates only and is not financial advice. State Pension age is set in law and can change — verify your exact date on gov.uk. The pension pot projection is illustrative and does not account for charges, inflation, tax or market volatility; speak to a regulated financial adviser before making retirement decisions.
Enter your date of birth
Your estimated State Pension age and pension pot projection appear here once you enter your details.
How State Pension age and the pot projection are worked out
Your State Pension age depends on your date of birth: it's 66 if you were born before 6 April 1960, phasing up to 67 for people born between 6 April 1960 and 5 April 1977 (67 fully in place from 2028), and 68 for anyone born on or after 6 April 1977 — though this further rise is not yet fully confirmed in law. Always check your exact date on the official gov.uk State Pension age tool. The pension pot projection is a simple model: your current pot plus your monthly contributions are assumed to grow at a constant annual rate, compounded monthly, until State Pension age. The "sustainable income" figure applies the well-known 4%-a-year drawdown rule of thumb to the projected pot — it's a helpful starting point for planning, not a guarantee or financial advice.