Stopping sooner · the trade-off, drawn
Could I retire earlier?
Stop a year sooner and you save one year less, and have one year more to pay for. Everyone knows that. What nobody can do in their head is work out where it stops being affordable. So the line below is your plan run again at every age you might stop, and the point it crosses is the answer.
Illustration only, not regulated financial advice. Every point on the line is its own plan, run to age 95 from the pot the saving years are projected to reach by then. It starts at 57, because a pension normally cannot be touched before 55, and before 57 for anyone turning 55 from 6 April 2028 onwards. The 85% line is the same reference the full tool uses, and it is for reading the shape rather than a pass mark: where the curve crosses it describes the model’s output, not a suitable age or amount for you, and what counts as enough depends on things this page knows nothing about. Running out here means the private pot running out, with the State Pension continuing. It starts at 67 whichever setting you pick. Modelled on a 60/40 equity and cash mix: equities at 4.5% and cash at 0.5% a year above inflation before charges, with 15% equity volatility, less 0.75% charges, across 400 simulated futures in today’s money. Assumptions, not forecasts.
A quick preview of this one question. The full tool works from your own figures (income, spending, one-off costs, tax and inheritance) in a single connected plan.