Retirement Calculator
Retirement Calculator
Retirement Planning Calculator
Find out if you are on track — and what it takes to get there
Whether you are investing already or just getting started, this calculator gives you a clear picture of your retirement position — and shows you the real cost of staying in cash or delaying action.
It works in GBP, USD or EUR and is built for expats and international investors, not just UK-based savers.
At the end you can send your results directly to a Metis adviser for a complimentary consultation.
Depending on your retirement goals, you may need to consider investing to achieve the level of growth required. Cash savings do not grow in real terms and may not be sufficient to fund the retirement you want.
This amount will be deducted from your target income, reducing the retirement pot you need to build.
Thank you. A Metis adviser will review your results and be in touch shortly.
FAQ
Q: How much do I need to save to retire?
A widely used rule of thumb is the 4% rule: your retirement pot needs to be 25 times your target annual income. So if you want £60,000 per year in retirement, you need a pot of £1.5 million. This rule assumes your portfolio can sustain a 4% annual withdrawal indefinitely. It is a planning benchmark, not a guarantee — a Metis adviser can model a more personalised scenario based on your specific assets, risk profile, and timeline.
Q: What growth rate should I assume for my investments?
This calculator uses three scenarios: Cautious (4% net per year), Balanced (5.5% net per year), and Adventurous (7% net per year). These are net of charges — meaning after adviser fees, platform costs, and fund charges have been deducted. Actual returns will vary and are not guaranteed. The value of investments can go down as well as up.
Q: Does it matter if I stay in cash rather than invest?
Significantly. Cash savings do not grow in real terms — in fact, inflation erodes the purchasing power of cash over time. Our calculator lets you model both scenarios side by side: what happens if you stay in cash, and what becomes possible if you start investing. The difference is often substantial, particularly over a 20 or 30-year horizon.
Q: What is the cost of waiting to start investing?
The cost of delaying is one of the most important concepts in retirement planning, because of compound growth, money invested today is worth significantly more at retirement than money invested in five years’ time. Our calculator shows you how much your required monthly investment increases if you wait one, three, or five years to start. In many cases, waiting just three years can increase the required monthly savings by 30% or more.
Q: Can expats use this calculator?
Yes — the calculator works in GBP, USD and EUR and is designed for international investors. It does not apply UK pension rules or tax wrappers — it models your retirement pot with our tax in mind. If you are an expat looking to structure your retirement savings tax-efficiently, a Metis adviser can help you identify the most appropriate investment vehicles for your situation.
Q: What is a guaranteed income and should I include it?
Guaranteed income refers to any income you expect to receive in retirement regardless of your investment portfolio — for example, a state pension, a defined benefit (final salary) pension, or a lifetime annuity. If you have any guaranteed income, entering it reduces the pot you need to build yourself, since only the shortfall needs to come from your personal savings. If you are unsure what qualifies, a Metis adviser can help you identify and value all potential sources of guaranteed income.
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