Educational use only. Not financial, investment, tax or legal advice.

Can I retire at 40, 50, 55, 60 or 65?

Pick your age and your pot to see the verdict: where in the UK you could retire, the State Pension and bridge-year maths included, across 360+ cities, towns and counties.

Get a verdict on your own numbers

Every age and pot combination

All 1147 combinations have their own page. Pick any age and any pot.

Retire at 40

Retire at 41

Retire at 42

Retire at 43

Retire at 44

Retire at 45

Retire at 46

Retire at 47

Retire at 48

Retire at 49

Retire at 50

Retire at 51

Retire at 52

Retire at 53

Retire at 54

Retire at 55

Retire at 56

Retire at 57

Retire at 58

Retire at 59

Retire at 60

Retire at 61

Retire at 62

Retire at 63

Retire at 64

Retire at 65

Retire at 66

Retire at 67

Retire at 68

Retire at 69

Retire at 70

Browse by age

See what a £1.1m pot buys you at each age, from 40 to 70.

Retire at 40with £1.1mRetire at 41with £1.1mRetire at 42with £1.1mRetire at 43with £1.1mRetire at 44with £1.1mRetire at 45with £1.1mRetire at 46with £1.1mRetire at 47with £1.1mRetire at 48with £1.1mRetire at 49with £1.1mRetire at 50with £1.1mRetire at 51with £1.1mRetire at 52with £1.1mRetire at 53with £1.1mRetire at 54with £1.1mRetire at 55with £1.1mRetire at 56with £1.1mRetire at 57with £1.1mRetire at 58with £1.1mRetire at 59with £1.1mRetire at 60with £1.1mRetire at 61with £1.1mRetire at 62with £1.1mRetire at 63with £1.1mRetire at 64with £1.1mRetire at 65with £1.1mRetire at 66with £1.1mRetire at 67with £1.1mRetire at 68with £1.1mRetire at 69with £1.1mRetire at 70with £1.1m

Browse by pot size

What each pot buys you at age 55, from £200k to £2m.

£200kat 55£250kat 55£300kat 55£350kat 55£400kat 55£450kat 55£500kat 55£550kat 55£600kat 55£650kat 55£700kat 55£750kat 55£800kat 55£850kat 55£900kat 55£950kat 55£1mat 55£1.05mat 55£1.1mat 55£1.15mat 55£1.2mat 55£1.25mat 55£1.3mat 55£1.35mat 55£1.4mat 55£1.45mat 55£1.5mat 55£1.55mat 55£1.6mat 55£1.65mat 55£1.7mat 55£1.75mat 55£1.8mat 55£1.85mat 55£1.9mat 55£1.95mat 55£2mat 55

How the verdict is calculated

Each verdict follows the standard 4% safe withdrawal rule. Your pot must cover two things: the years before the State Pension starts (bridge years, funded in full from your pot) and the gap between your living costs and the State Pension from 67 onwards (funded at 25x).

We compare your pot against the living costs of every UK location we track - 360+ cities, towns and counties. If your pot covers the UK-average lifestyle you get a "yes". If it covers some places but not the average, the answer is "it depends where you live" - and we show you the cheapest places that fit. If it covers nowhere yet, we show you the gap.

Want the verdict for your actual numbers, not a round figure? Try the financial clarity check, or start with how much pension do I need.

Retirement age FAQs

Can I retire at 50?

It depends on your pot and where you live. Using the 4% safe withdrawal rule, a single 50-year-old retiring at State Pension age (67) needs roughly £636,000 for a UK-average lifestyle. Retiring at 50 also means funding 17 bridge years before the State Pension kicks in, which is the biggest cost. Delphina compares your pot against 360+ UK locations to show you where you could retire, or how big the gap is.

How much pension pot do I need to retire at 55?

Around £636,000 for a single person aiming at a UK-average lifestyle from 55, before the State Pension is added at 67. Cheaper UK locations can bring the pot needed below £300,000. The exact number depends on your age, your household, and where you want to live - each age-and-pot page on this site shows the breakdown for 360+ places.

Can I retire at 60 with £400k?

£400,000 at 60 supports retirement in some of the cheaper UK locations but is short of a UK-average lifestyle for a single person. Delphina's location-by-location comparison shows exactly which places are affordable at your age and pot, and what the shortfall is against your target lifestyle.

Can I retire at 65 with £1 million?

Yes, in most of the UK. A £1m pot at 65 comfortably covers the UK-average lifestyle (£636,000 single, £1.07m couple), with 2 bridge years to fund before the State Pension. The Delphina page for your age and pot shows every location where £1m is enough, from the cheapest towns to the most expensive cities.