See the gap between your target income and other income, before and after State Pension starts.
Sources checked 7 October 2026 · 2026/27 rates where applicable
Your illustration
Enter your details, then select Calculate.
How this works
Use your own State Pension forecast. Other income is assumed to start immediately and stay constant. State Pension starts at the age you enter. All amounts are before tax.
The 3%, 4% and 5% scenarios take a fixed percentage of the starting pot each year. They assume no growth, fees or inflation, and show simple arithmetic depletion, not safe withdrawal rates. The separate target-income estimate uses your actual annual gap and the change when State Pension starts.