You could retire earlier than you think. Find your year, then watch it get closer.
Your ISAs, SIPPs and pensions already hold the answer. myRetireAge.com projects them through 86 years of real market history, tells you the year you could stop working, and shows you every month how much closer you are.
Free calculator · no account needed
Three simple steps to your retirement date.
Get your earliest age
Answer a few questions. Get the earliest age you could stop working, stress-tested against 86 years of market history.
Log real balances monthly
Log your real balances once a month. It takes a minute.
See your year move closer
See whether you're ahead or behind, by exactly how much, and watch your retirement year move closer.
What 18 months of tracking looks like
Priya assumed she'd work to 63. The maths said 55. And 18 months of tracking, £8,050 ahead of plan, has moved it to 54.
See the full demoSet your plan once. Every month, your real balances are drawn over it.Built for the UK. All the way down.
The engine only models one country, so it can go deeper: every wrapper, access age and tax band, exactly as they work here.
ISA, LISA, SIPP, workplace pension and GIA, each modelled by its own rules.
You can't touch your pension early. The plan covers the years before access from the accounts that are open.
Money comes out of the right wrapper in the right order, so more of it stays yours.
Pension withdrawals count 25% tax-free and the rest as income, the way HMRC does.
GIA drawdowns include the CGT you'd actually pay.
Your real claim age and amount, not a guess.
Your tax, wherever in the UK you are.
Two people, two pension ages, one shared retirement date.
If your plan only works in the lucky years, we say so.
Every plan is replayed through real market history since 1940, once from every start year with enough history left to hold the whole plan. Each replay is a different market your plan either survives or fails.
Not an average. Not a guess about the future. One history at a time. And one rule is hard-coded into the engine: we never call you financially independent while the maths says otherwise.
If some start years run your money out, the headline says so before it says anything cheerful. Every assumption is visible and editable. The dataset and its sources are published.
One plan. Two ways to pay.
£9/month
- Unlimited projections
- Monthly tracking, plan vs actual
- Couples included
- Every UK wrapper: ISA, LISA, SIPP, GIA, pensions
- Backtested against 86 years of market history
- Cancel anytime
£119One-time payment · lifetime access
- Unlimited projections
- Monthly tracking, plan vs actual
- Couples included
- Every UK wrapper: ISA, LISA, SIPP, GIA, pensions
- Backtested against 86 years of market history
- All future updates included
Every plan starts with a 7-day free trial. No credit card required.
Questions, answered plainly.
How is this different from the free calculator?
The calculator is a 3-minute estimate. The subscription tracks your real accounts month by month, so the date firms up and you see early whether you're ahead of plan or behind it.
Is my financial data safe?
Your own encrypted account. No bank connections required. Delete everything anytime.
Do you connect to my bank?
No. Manual monthly entry, by design. A minute a month, no credentials shared.
What about my partner?
Couples are first-class: two people, their own wrappers and access ages, one plan.
Is this financial advice?
No. myRetireAge.com is a planning tool, not financial advice. Projections are illustrative.
What does it cost?
£9 a month, or £119 once for lifetime access. Every plan starts with a 7-day free trial. No credit card required.