Interactive Tool
Cash flow modeller
See how your savings could build up before retirement — and how long they might last once you stop working. Adjust the figures below to explore different scenarios. It takes about a minute.
Your Numbers
Build your projection
Your savings are projected to last beyond age 100
Assumptions behind this projection
- Inflation is assumed to be 2.5% a year. Every figure is shown in today's money, so the amounts stay comparable across the whole chart.
- The growth rate you choose is a return before inflation, applied to your whole pot each year — both before and after retirement.
- Contributions are paid every month and stop when you retire.
- Retirement spending starts the year you retire and rises with inflation, so it stays level in today's money.
- The projection runs to age 100. The State Pension, tax, property and any other income are not included.
This tool is a simplified illustration to help you picture the shape of things — it is not personal advice, a guarantee or a forecast. It leaves out tax, the State Pension and other income, and investment returns are never certain: the value of investments can fall as well as rise. For a plan built around your actual circumstances, send us your figures.