Early Retirement Calculator

Free annual check-upOne week's full access · once every 12 months · email verified
Inflation-adjusted income modellingTax-aware scenario projectionsPortfolio sustainability analysisPersonal Financial Modelling Software for the Long-Term

See how the software works

Model your retirement scenario and explore the outputs:

Model different retirement dates

Input your own assumptions and compare scenarios side by side to see the trade-offs.

Visualise withdrawal schedules

The software calculates systematic withdrawal sequences across your asset types.

Track assets year-by-year

See how pensions, ISAs, and savings are projected to evolve in real terms under your assumptions.

Software outputs

£

Income Modelling

Projects annual income from multiple sources under user-defined assumptions.

Asset Trajectory

Charts how pensions, ISAs, and cash balances evolve over the modelled period.

%

Tax Calculations

Estimates potential tax impact based on user inputs and generalised rules.

Household View

Models combined finances for two people within a single scenario.

Under the hood

Built as a modelling engine

The software applies structured calculations to user-supplied inputs — it does not provide financial advice or recommendations. The software does not suggest actions or recommend financial decisions.

All outputs depend entirely on the data and assumptions you enter.

The software models

User-defined inflation and cost-of-living assumptions
Withdrawal sequencing across asset types
State pension integration
Multi-account portfolio projections
Long-term growth scenarios

A software product, not a financial service

Software tool — not financial advice
No ads, no data selling, no third-party tracking
Private by design — your data stays on your device
Revenue from software licence fees only
"We develop and sell software tools for personal financial modelling. We do not provide financial advice, manage investments, or handle client funds."

Early Retirement Calculator

Personal Financial Modelling Software for the Long-Term

A software tool by Retire Early Ltd · Not financial advice · Not regulated by the FCA

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Retire Early Ltd · Registered in England and Wales · support@retire-early.co.uk