What will you spend in retirement?
Pick a level to see what retirement costs, or go through your bills line by line. Every figure comes from an official or industry source, named under it. Then take the total into the calculator.
Nothing you type is sent anywhere. Figures checked 19 October 2026.
1Who's it for?
2How do you want to work it out?
Every figure here is take-home money: what you spend, after tax. The calculator works out the tax on top.
3Pick a level
4Your yearly figure
Pick a level in box 3 to see its yearly figure.
For illustration only. This calculator lets you look at your own figures. It doesn't give financial advice. Before acting on anything here, get free, impartial guidance from Pension Wise, or speak to a regulated financial adviser.