Are you on track for your Financial Freedom?
Find out by using our calculator.

Simply use the sliders to confirm your age and choose the age at which you want to secure your ‘Financial Freedom’ - effectively your target age to have the option to step back from work on your own terms.

Then confirm the income you think you will need, to support the lifestyle you imagine having, once you've got the time and the freedom to focus on the things that you're passionate about.

Your Financial Freedom Target is

Target age to
achieve your
Financial Freedom:

Your desired
annual income
from age

If your projected Financial Freedom Target figure [in green] is a higher value than your savings, investments and pension arrangements will provide for you, by the age you’ve chosen, then you will need to address the gap, and could benefit from speaking to one of our expert financial planners.

Equally, if you're unsure about the cumulative value of your your savings, investments and pensions because you haven’t reviewed them recently, then it could also be beneficial for you to review your arrangements and your financial planning with one of our qualified advisors.


Many people aim for an income in retirement that is two thirds of their current salary. For example, if your current annual salary is £90,000, then £60,000 per year should enable you to maintain this lifestyle once you step back from work.

Research published in the Lancet* suggests that if life expectancy in developed countries continues to increase at the current rate over the course of the coming decades then the majority of people born in the UK since 2000 will live beyond their 100th birthday. With life expectancy increasing in this way, a target age of 100 has been chosen for the calculator, as we want to ensure that all our clients have planned with confidence for a future that is sustainable and affords them absolute peace of mind. 

* The Lancet - Ageing populations: the challenges ahead  [Prof. Kaare Christensen, MD, Prof. Gabriele Doblhammer, PhD, Roland Rau, PHD, Prof James W Vaupel, PHD] Published Oct 3 2009.

A growth assumption of 3% per annum has been applied. 

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