Enter your details once — pension pot, contributions, NI years, State Pension claiming age, and target income — and the planner calculates your complete retirement picture across five key areas. It then generates a professionally branded, six-page retirement report as a downloadable PDF you can save, print, share with a spouse, or take to a financial adviser.

The report covers everything in one place. Your retirement snapshot shows projected pot value, today's pounds equivalent, sustainable monthly income, and the age your pot depletes under both a base scenario and a market downturn stress-test. Your Retirement Readiness Score breaks down your position across savings adequacy, drawdown sustainability, State Pension optimisation, inflation resilience, and retirement timeline — each with a status and a specific improvement action.

Your five-step action plan — ranked by financial impact, quantified in pounds, and linked directly to the tools that can help you act. Whether that means topping up missing NI years, building a cash buffer, deferring your State Pension, or reviewing your investment allocation, every action comes with the numbers behind it.

Based on MaPS, PLSA, DWP, HMRC, and Bank of England figures. Updated automatically after every tax or pension change. Generated entirely in your browser — nothing is stored or shared.