KMD Financial Planning LLP — Pension Shortfall Calculator
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Retirement Planning
Am I Saving Enough for Retirement?
Project your pension pot at retirement and see if you're on track for the lifestyle you want. Models growth, contributions and inflation.
About you
yrs
yrs
Current pension pot
£
Combine the values of all workplace pensions, personal pensions and SIPPs you currently hold.
Monthly contributions
£
£
£
Assumptions
%
Long-term equity returns average 5-7% per year before fees
%
Bank of England's long-term target is 2%
%
Platform + fund charges combined
%
Typically in line with salary increases
Your retirement target
How much do you want to live on each year in retirement (in today's money)?
£
£
Your retirement projection
Projected pot at retirement
£—
in today's money
Sustainable income
£—
per year (incl. state pension)
Shortfall analysis
Target annual income
£—
Projected annual income
£—
Annual shortfall
£—
—
💡 To meet your target
—
Pension pot growth over time
Pot value (real terms)
Contributions paid in
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Important: This calculator provides illustrative projections only and does not constitute financial advice. All figures are shown in today's money (adjusted for inflation). Actual returns will vary based on investment performance, fees and market conditions. The sustainable income figure uses a 4% withdrawal rate as a rough rule of thumb — actual retirement income strategy should be tailored to your circumstances. KMD Financial Planning LLP can provide a personalised retirement plan; please contact us for a free initial review. Authorised and regulated by the Financial Conduct Authority (FCA ref: 1032694).