Pension Calculator

The Pension Calculator models how retirement savings evolve over time given user inputs such as current age, planned retirement age, current savings, and ongoing contributions. It is designed for individuals planning pensions and for financial professionals who advise clients on retirement readiness. The tool translates inputs into a projected pot at retirement and a corresponding income stream, enabling quick scenario comparisons.
The core logic applies a year-by-year compound growth model, with validation of inputs to ensure realistic ranges. Outputs include the projected retirement pot, estimated monthly and annual income, and the horizon of withdrawals. Advanced users can enable inflation-adjusted cash flows, test multiple scenarios, and export results for client reports.
Outputs are presented with transparency around assumptions and sensitivities, letting users see how changes in growth rate, contribution level, or withdrawal strategy affect retirement adequacy. This makes it suitable for personal planning, client conversations, and advisor visualizations.
The tool assumes steady growth and contributions, with no tax or fees modeled unless added as adjustments; it does not replace professional financial advice but serves as a practical planning aid for retirement readiness.