Will I Run Out of Money?
Calculate how long your savings will last and get personalized recommendations to secure your financial future
Your Financial Details
Risk of Running Out
Your money may run out around age 75
Years of Runway
40
years of financial security
Final Balance
£0
at age 85
Wealth Projection
Projected wealth over time based on your inputs and assumptions
Recommendations
- Increase your annual savings rate
- Consider delaying retirement by a few years
- Review expenses and identify areas to reduce
- Explore ways to increase income
Why Use This Calculator?
Free & Easy
No sign-up required. Get instant results with our simple calculator.
Personalized Projections
Based on your specific financial situation and retirement plans.
Actionable Insights
Get recommendations to improve your financial security.
What This Calculator Shows
Financial Runway
See exactly how many years your money will last based on your current savings, income, expenses, and expected returns.
Wealth Projection Chart
Visual representation of your projected wealth over time, showing when (if ever) your money might run out.
State Pension Integration
Automatically includes UK State Pension in your retirement projections starting from age 68.
Personalized Recommendations
Get actionable steps to improve your financial runway based on your specific situation.
Frequently Asked Questions
How accurate is this calculator?
This calculator provides an estimate based on your inputs and assumptions about investment returns and inflation. Actual results will vary based on market performance, changes in income/expenses, and other factors. It's a useful planning tool but should be supplemented with professional financial advice.
Does the calculator include State Pension?
Yes, the calculator includes UK State Pension (estimated at £11,000 per year) starting from age 68. You can adjust your expected retirement age to see how this affects your financial runway.
What return rate should I use?
Historical average returns for a balanced portfolio have been around 5-7% per year. We default to 5% which is conservative. You can adjust this based on your investment strategy and risk tolerance.
How can I extend my financial runway?
Key strategies include: increasing your savings rate, delaying retirement, reducing expenses, maximizing pension contributions, and reviewing your investment allocation for appropriate risk levels.
Want a More Detailed Plan?
Get comprehensive financial planning with scenarios, tax optimization, and detailed projections tailored to your goals.