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Pension provider details and current fund allocations
Any defined benefit (final salary) pensions
Your tax position and other income sources
State Pension forecast from gov.uk/check-state-pension
Why Earlier Planning Matters
Time and compound growth create opportunities
Time in the market matters: Each additional year of contributions and growth compounds. Acting early gives you more options for managing sequence-of-returns risk and improving tax efficiency.
Key Insights:
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Real returns: Cautious 2.5%, Base 4%, Optimistic 5.5% (real returns after inflation and illustrative charges)
Longevity: Models to age 99 (aligned with provider illustration rules)
Figures in today's money: Growth rates are net of 2% inflation and 1% illustrative charges, so no separate adjustment needed
Charges: 1% illustrative annual charge deducted within growth rates. Your actual charges may differ
Tax treatment: Gross figures only — does not account for 25% lump sum or tax band sequencing
State Pension: Starts at your State Pension age (varies by DOB, typically 66–67)
Contributions: Assumed to continue at current rate until retirement
Drawdown: Assumes sustainable withdrawal with continuing growth during retirement
Not included: Defined benefit pensions, annuities, other guaranteed income unless specified
Limitations: Simplified model for feasibility only — not a financial plan or projection
Assumptions aligned with Quilter Financial Planning cashflow modelling guidance. Last reviewed 7 February 2026.
🔢 Detailed Breakdown
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Important Information
Calculation basis: This calculator provides an illustrative estimate using simplified assumptions and generic modeling. It is not personal financial advice. Actual outcomes will depend on market performance, tax changes, fund charges, and your personal circumstances. The three scenarios show how different real return assumptions affect feasibility.
Real returns explained: Growth rates are shown after deducting 2% annual inflation and an illustrative 1% for charges. The three scenarios map to Quilter risk profiles: Cautious (2.5%) = Conservative 5.5% nominal; Base (4%) = Moderate 7% nominal; Optimistic (5.5%) = Adventurous 8.5% nominal. All figures are therefore in today's purchasing power.
Regulatory status: Cox Financial Services Limited is an appointed representative of Quilter Financial Services Limited, which is authorised and regulated by the Financial Conduct Authority.
No. This calculator provides an illustrative estimate using simplified assumptions. It's designed to give you a useful starting point, not to replace personalised financial advice. A proper financial plan would consider tax bands, specific fund holdings, guaranteed income, and your wider circumstances.
Your email is used solely to send your report and, if you opt in, occasional planning tips. We don't share data with third parties for marketing. Full details are in our Privacy Policy and the Quilter AR Privacy Notice, both linked from the calculator.
The model uses industry-standard assumptions (2.5%, 4%, and 5.5% real returns after inflation and charges, mapped to Conservative, Moderate and Adventurous risk profiles) and projects to age 99. It's a good feasibility indicator, but real outcomes depend on market performance, charges, tax rules, and your specific circumstances. A professional review validates and refines these numbers.
We'll validate your calculator inputs, stress-test against realistic scenarios, explore tax-efficient withdrawal strategies, and identify any quick wins. You'll leave with a clear action plan. If we don't think professional planning would materially improve your position, we'll tell you upfront.
Cox Financial Services Limited is a Chartered Financial Planning practice based in Derbyshire, operating as an appointed representative of Quilter Financial Services Limited (authorised and regulated by the FCA). We specialise in retirement planning, pension consolidation, and tax-efficient strategies.
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