Life Plan Calculator: Map Your Entire Financial Future
Most retirement calculators ask one question at a time. Real life refuses to. The one that finally models every pot and wrapper together, and tells you when the plan breaks.
Three phases of early retirement
| Phase | Years covered | Income source | What if it fails? |
|---|---|---|---|
| Bridge | Retirement to 57 | Emergency fund, ISA, GIA, then LISA at 60 | Stuck - cannot access pension early |
| Pension drawdown | 57 to state pension age | Pension + remaining ISA | Phase 2 collapses, cut spending |
| Full income | State pension onwards | State pension + pension + ISA | Reduce expenses or work part-time |
Get one phase wrong and the plan breaks at a specific age. The calculator finds the gap.
Key takeaways
The life plan calculator projects every financial pot from your current age to 100, showing exactly when you can retire.
It models the bridging strategy - how to fund early retirement before your pension unlocks.
State pension is estimated using qualifying years and the triple lock - the higher of inflation, wage growth, or the 2.5% floor.
The calculator shows where your money runs out and tells you whether to prioritise ISA or pension contributions.