Ember FI Retirement Calculator

There are currently 15 million people in the UK not saving enough for retirement. And many aren't even aware of the impact this will have on them later in life.

Part of the problem is that most retirement calculators are either too simple to trust or too complicated to finish. Ember FI sits in the middle: genuinely useful, takes less than five minutes, and gives you answers you can act on.

Answer a few simple questions and you get a personalised forecast showing whether your money lasts, when you can retire, and what you can do to change the outcome.

• Model your ISAs, LISAs, pensions (DC and DB), cash, property and GIAs
• Year-by-year cashflow forecasting with clear, useful insights and charts
• Stress test your plan and see the impact of different variables
• Joint planning for couples, with separate retirement ages
• Care costs, DB income, rental income and one-off lump sums
• 1,000 market simulations to test whether your plan holds up under pressure
• Save multiple plans and compare two side by side
• Download your plan as a PDF, or CSV for the data-savvy
• UK-specific: living standards, tax allowances, LISA rules etc

All calculations run on your device. No account needed. No data collected.

Ember FI is a planning tool, not regulated financial advice. Always consult a qualified financial adviser before making retirement decisions.