Want an
estimate of your
retirement
income?
For guidance only — personalised advice requires speaking with a qualified financial adviser.
Understand your retirement income options
Answer a few simple questions to see what your pension and State Pension could give you each month. This is a helpful starting point, not personal financial advice.
- Estimated private pension income
- Estimated State Pension income
- Possible monthly retirement income
- Inflation-adjusted target income
- Questions to discuss with an adviser
Before we begin, what should we call you?
We use your first name to make the estimate feel more personal when your report appears. This does not change the calculation and does not make the report personal financial advice.
Now, tell us about your retirement timing
This helps us estimate how long your pension has to grow before you may start using it.
What has brought you here today?
Choose the option that feels closest to your situation.
What sort of retirement income would feel comfortable?
This is just a target. Inflation is included to show how today’s target could change by retirement age.
Tell us a bit about your pensions
This gives you an estimate of what your private pension could provide each month.
Let’s include the State Pension and your wider picture
State Pension is shown separately, because it usually starts later than private pension access.
One last thing — should we consider your home?
Your home may be part of the wider retirement planning conversation. We will not treat it as automatic income.
Heathcote Financial Planning — Your Personal Retirement Estimate
This estimate is an educational illustration only and does not constitute financial advice.Your retirement income estimate
This is a simplified estimate based on the figures you entered. It is designed to help you understand the shape of your retirement picture and ask better questions. It is not financial advice and should not be used to make final retirement decisions.
Based on your figures, this is the estimated income your private pension pot could provide.
At a glance
Your income mix
A simple view of where your estimated retirement income may come from.How close you may be to your future target
This compares your estimated annual income with your inflation-adjusted future target.Your result will appear here.
Your pension pot projection
This compares the pension value you entered today with the projected value at your chosen retirement age.Estimated annual income breakdown
This shows the different income sources included in your estimate.What this could mean
Questions worth discussing with a financial adviser
Would you like a free initial call to understand what this estimate could mean for you?
If this estimate has raised questions, you can request a free initial retirement call. A qualified financial adviser can look at your wider circumstances and explain what may need to be considered before you make any pension, investment or retirement decisions. Send your request by WhatsApp and we’ll review the information you provided. During our office hours, Monday to Friday, 9:15am–5:00pm, we aim to respond within a few hours. Requests received outside office hours will be reviewed on the next working day.Closer to retirement?
Would you like to explore a more predictable retirement income?
If you are closer to retirement and would like to understand how much guaranteed income your pension could provide, try our Guaranteed Income Estimator.
It will give you a simple illustration of the income your pension could provide for a period you choose.
This is an educational illustration, not financial advice or a provider quotation.
How it works
Complete the retirement income estimate and view your result on screen. When you are ready, choose the contact option that suits you best.
Choose how to contact us
Your retirement income estimate stays visible on screen, and you do not need to provide contact details to use the tool. To email your report, go back to “Understand your retirement income”, complete your figures and generate your result. You can then use the email option shown with your finished report to send it to us. Alternatively, you can contact us by WhatsApp or book a call.
No contact details are required to see your on-screen retirement estimate.
We review what you shared
If you email or WhatsApp your retirement estimate, Steve or one of the team will review the figures and information you chose to share before getting in touch. We aim to respond within a few working hours during our office hours, Monday to Friday, 9:15am–5:00pm.
Enquiries received outside office hours will be reviewed on the next working day. If you book a call, we will speak with you at the arranged time.
We talk it through together
We can explain what your retirement income estimate means, discuss the assumptions and choices that may affect your future income, and answer your questions. If regulated financial advice may help, we will explain the next steps and any fees clearly.
There is no pressure and no obligation to continue. You decide what happens next.
Meet Steve
Steve is the adviser who’ll look after you. He has 25+ years’ experience helping people make sense of pensions, retirement planning and wider finances.
He’ll help you understand where you are now, what your options are, and what may need attention — without making the process feel overwhelming.
Examples of how we can help
These fictional examples show some of the common questions people have when thinking about pensions, retirement income and wider financial planning.
“I have several pension pots and don’t know what they’re worth.”
Peter has worked for a few different employers over the years and has built up several pension pots. Some are easy to find, others are less clear, and he is not sure whether they are invested in the right way for retirement.
A review could help him understand what he has, how the pensions are invested, what charges may apply, and whether bringing things together could make his retirement planning easier to manage.
“I’m close to retirement and want to know if I can afford to stop working.”
Sarah would like to retire in the next few years, but she is unsure how much income her pensions could provide and whether it would be enough to support the lifestyle she wants.
A retirement planning conversation could help her look at her pension income, State Pension, savings, spending needs and timing, so she can make decisions with more confidence.
“I want to understand my pension, State Pension and other savings together.”
David has a pension, some savings, and expects to receive State Pension later, but he has never looked at everything together in one plan.
A wider review could help him see the bigger picture: what income may be available, when different sources might start, what gaps may exist, and what options he may want to consider before retirement.
More pension and retirement case studies
These examples show how pension planning can help people and businesses make their retirement arrangements clearer, easier to understand and more organised.
What clients say about Heathcote Financial Planning
Real words from people who wanted clearer, calmer conversations about their money.
“We recently used Heathcote Financial Planning to arrange our new mortgage while moving house, and the service from Steve was outstanding from start to finish. He also helped us put the right life insurance in place, making the whole process straightforward and reassuring.”
“My experience with Heathcote Financial Planning has been very positive. They have always acted promptly, taken the time to listen to my personal circumstances, and provided sound investment advice based on my needs.”
“I can’t recommend Steve highly enough. He secured a mortgage for below the rates available online within less than 24 hours after our first phone call. Brilliant communication and a very straightforward process.”
“Heathcote Chartered Financial Planning has provided us with exceptional service for many years. Their expertise, professionalism and dedication have been invaluable in helping us manage existing pensions.”
“They respond very quickly, provide good knowledge on the products they offer, and guide you through the process. Would highly recommend.”
“Steve was incredibly knowledgeable and made the whole mortgage process easy and stress-free. They found us a great deal and communicated quickly every step of the way.”
“We’ve worked with Steve on a number of occasions, always pleased with the results. Highly recommend.”
“I feel confident that Stephen will continue to guide my future finances, including pensions, mortgages and general tax guidance.”
“Great pensions advice clarifying my options, especially regarding risk and returns at retirement. Very helpful talking to an independent whole-of-market financial adviser.”
Questions about your retirement estimate
Is this retirement estimate financial advice?
No. The retirement income estimator is for educational and illustrative purposes only. It is designed to give you a helpful starting point, not a personal recommendation. You should not rely on the figures to make pension, investment or retirement decisions without speaking to a qualified financial adviser.
How accurate is the retirement calculator?
The figures are only an estimate based on the information you enter, such as your age, pension value, contributions, growth assumption, withdrawal rate and inflation assumption. Real outcomes can be different because pension values, investment returns, inflation, tax rules and personal circumstances can all change.
Does the estimate include State Pension?
Yes, the estimator allows you to include an estimated State Pension figure. Your actual State Pension depends on your National Insurance record, so this should be checked separately. The calculator does not confirm your entitlement.
What happens after I send my WhatsApp request?
Your WhatsApp message will include the details you entered, so Steve or one of the team can understand what you would like help with. We’ll aim to call you back within one working day during our office hours: Monday to Friday, 9:15am–5:00pm. If the timing is not convenient, we can arrange a better time with you.
What if I have several pension pots?
That is very common. Many people have pensions from different employers and are not sure what they are worth, how they are invested, or whether the charges are still suitable. A pension review can help you understand what you have and whether any action may be worth considering.
What will it cost to speak to you?
The initial call is free and there is no obligation. If you decide to go further, any advice fees will be explained clearly before you agree to anything. You will not receive a surprise bill for having an initial conversation.