Tools · Finance
Retirement planner
Will the money last? Project your pot to retirement and through it, net of your country’s state pension, in today’s money. Save scenarios, change one thing, and compare. Six countries pre-filled with sourced 2026 figures — every number editable, nothing hidden.
Exactly how the projection works
The projection runs in annual steps. While saving: each year’s opening balance grows at your pre-retirement return, and the year’s contributions are added at year end (a conservative convention — new money earns nothing in its first year). Contributions rise annually at the rate you set, approximating savings that track your wage. From retirement: your income target and the state pension are both entered in today’s money and inflated to each future year — state pensions in the covered countries are index-linked, which this approximates — and the pot covers the gap between them, growing at your post-retirement return.
The “sustainable income” figure applies your withdrawal rate (default 4%) to the pot at retirement — the rule of thumb from William Bengen’s research and the Trinity study, offered as exactly that: a planning heuristic from historical US market data, not a guarantee, and more fragile the longer the retirement it must fund.
The 2026 figures behind each country preset
Gathered 15 August 2026 from the sources linked below. Pension systems change every year — the planner pre-fills these as defaults you can edit, and the links are where to verify your own entitlement.
United States
- 401(k) employee limit 2026: $24,500 (+$8,000 catch-up from 50; $11,250 at ages 60–63)
- IRA limit 2026: $7,500 (+$1,100 catch-up from 50)
- Full Social Security retirement age: 67 for anyone born in 1960 or later
IRS — 2026 retirement plan limits · SSA — your retirement benefit estimate
United Kingdom
- Full new State Pension 2026/27: £241.30/week (£12,547.60/year), with 35 qualifying NI years
- State Pension age: rising from 66 to 67 between April 2026 and April 2028
- Pension annual allowance: £60,000 (tapered at high incomes)
GOV.UK — benefit and pension rates 2026/27 · GOV.UK — check your State Pension
Canada
- RRSP limit 2026: the lower of $33,810 or 18% of previous-year earned income
- TFSA annual limit 2026: $7,000
- CPP maximum at 65 (2026): $1,507.65/month — the average payment is materially lower; OAS maximum at 65: $742.31/month (Q1 2026)
Canada.ca — RRSP/TFSA limits · Canada.ca — CPP and OAS amounts
Australia
- Superannuation Guarantee: 12% of ordinary time earnings from 1 July 2025
- Age Pension (single, max, 20 Mar–19 Sep 2026): $1,200.90/fortnight ≈ $31,223/year, means-tested
- Super preservation age: 60; Age Pension age: 67
ATO — Superannuation Guarantee rate · Services Australia — Age Pension rates
India
- EPF: 12% of basic salary from you, matched by your employer; interest 8.25% (FY 2024–25, declared annually by EPFO)
- PPF: up to ₹1.5 lakh/year; interest 7.1% (Q2 FY 2026–27, set quarterly)
- NPS: additional ₹50,000 tax deduction under 80CCD(1B), beyond the ₹1.5 lakh 80C limit
EPFO — Employees’ Provident Fund · NSI — Public Provident Fund
New Zealand
- NZ Super (single living alone, after tax at M, from 1 Apr 2026): $1,110.30/fortnight
- KiwiSaver default contribution: 3.5% employee + 3.5% employer from 1 Apr 2026 (rising to 4% in 2028)
- NZ Super age: 65, no means test
Read this before relying on it
This is a projection tool, not financial advice, and we are not licensed advisers. It cannot know your taxes, fees, benefit entitlements, health, or what markets will do — a constant-return assumption smooths over crashes that a real retirement must survive (sequence-of-returns risk). State-pension figures are national defaults, not your personal entitlement; check yours at the official links above. For decisions of this weight, a fee-only licensed adviser in your country is worth their fee.
Questions people actually ask
- How much money do I need to retire?
- There is no universal number — it depends on the income you want, how long retirement lasts, returns, inflation and your state pension. That is exactly what the planner computes: enter your own figures and it projects the pot year by year, shows how long it lasts against your income target, and lets you compare scenarios. The often-quoted shortcut is 25× your desired annual drawdown (the 4% rule inverted), and the planner shows that heuristic honestly, as a heuristic.
- What is the 4% rule?
- A planning rule of thumb from William Bengen’s research and the Trinity study: withdrawing 4% of your pot in the first year of retirement, adjusted for inflation thereafter, historically survived 30-year US retirements. It is a starting point from one country’s historical data, not a guarantee — the withdrawal rate here is editable, and the projection shows what your chosen rate actually does to the pot.
- Does it include my country’s state pension?
- Six countries are pre-filled with sourced 2026 figures — the US, UK, Canada, Australia, India and New Zealand — entered in today’s money and inflated forward, since these pensions are index-linked. Every figure is editable and the official sources are linked on this page, because your personal entitlement depends on your contribution record, not a national default.
- Why does it show results in today’s money?
- Because 40-years-from-now currency is meaningless to plan with. The projection runs in nominal terms internally and can display either view, but defaults to real (inflation-adjusted) figures so that "£30,000 a year" means the lifestyle £30,000 buys today.
- Is this financial advice?
- No. It is arithmetic on assumptions you control, from an unlicensed tool that cannot know your taxes, fees, entitlements or the sequence of market returns. Use it to understand the shape of your plan and the sensitivity of each assumption — then take decisions of this weight to a fee-only licensed adviser in your country.