Hi, I’m Jake, founder of Foundation Wealth.

One of the most common questions that I answer as a financial adviser is, “Can I afford to retire?”

You probably have a pretty good idea of what you’d like your retirement to look like, but it’s not easy to know how much money you’ll need and how you get there.

I built this free assessment to help you answer that question.

It uses 5,000 market simulations to illustrate the probability of achieving your goals, based on the information that you enter.

I’m not going to ask for your email, or your phone number. Simply pop your numbers in, and get a quick result to help you to understand whether you’re on track.

If you find it useful and you’d like to chat more, just click book a call.

Retirement Readiness Assessment

Retirement Readiness Assessment — Foundation Wealth (v7)

Understand the probability of achieving your retirement goals.

Answer a few simple questions and we'll run 5,000 simulations through both saving and retirement, to illustrate how often your investments support the income you've selected.

✓ 5,000 market simulations ✓ Built on UK retirement data ✓ Around 2 minutes ✓ No email required

Important assumptions

~9% assumed nominal annual return

~2.5% assumed annual inflation

⚡9.57% assumed annual volatility

£All figures shown in today’s money

↗Contributions assumed to rise with inflation

✕Tax and charges are not included

This tool provides an illustrative estimate only and does not constitute financial advice. It uses one generic investment assumption before and after retirement. Tax, charges and individual circumstances are not included. The value of investments can fall as well as rise, and you may get back less than you invest.

1Current Position 2Retirement Goals 3Results

Section A — Current Position

Where you are today

Run this for yourself, or use combined figures for you and a partner. Rough numbers are fine — this isn't a precise calculation.

Are you planning for:

Your current age

35

2065

Total existing savings & pensions

Add up all your pension pots, ISAs, and investments — even the ones you haven't checked for a while.

£

Please enter a value (enter 0 if you're starting fresh)

Monthly contributions

Total going into pensions, ISAs or savings each month — include employer contributions if you know them. Enter this in today’s money; the model assumes contributions rise with inflation.

£

Please enter a value (enter 0 if you're not contributing)

Section B — Your Future Plans

What you're aiming for

What does a good retirement look like for you?

Target retirement age

62

5075

Annual income needed in retirement

Not sure what figure to use? The PLSA benchmarks below are a helpful guide.

PLSA Retirement Living Standards — one person:

Minimum

£13,900

Covers all your needs, with some left over for fun

Moderate

£32,700

More financial security and flexibility

Comfortable

£45,400

More financial freedom and some luxuries

Source: PLSA Retirement Living Standards — tap a tile to use that figure, or enter your own below.

£

Please enter your target retirement income

Expected State Pension (per year)

Based on the current new State Pension. Check your forecast at gov.uk.

£

State Pension start age

We've estimated this from your age — you can double-check yours at gov.uk.

Age income is required until

Set to age 90 as a starting point. Adjust this to the age you would like the illustration to model.

90

70105

All figures are shown in today’s money. The model assumes a 9% nominal annual return, 2.5% inflation and 9.57% annual volatility, Contributions and State Pension are assumed to keep pace with inflation. Tax and charges are not included. Results are illustrative only.

Building your retirement projection

Assessment complete

Here's what the numbers say

0%

probability

✓

Years to retirement

—

Income modelled until

—

selected end age

Projected median pot

—

at your retirement age

Median remaining pot

—

at the selected end age

Your range of possible futures

The chart follows the simulated journeys through saving and retirement. The shaded band contains the middle 50% of outcomes, the dotted lines mark the 5th and 95th percentiles, and the bold line is the median. Values are shown in today’s money.

Want to explore your retirement plans in more detail?

This simplified illustration cannot reflect tax, charges, investment choices or your wider circumstances. A personal financial plan can consider these factors together.

Book a discovery call →

Important: This calculator provides an illustrative projection only and does not constitute financial advice. All values are shown in today’s money. The model assumes a 9% nominal annual return, 2.5% inflation and 9.57% annual volatility, It uses the same generic investment assumptions before and after retirement. Contributions and State Pension are assumed to maintain their value in real terms. Tax, adviser, platform and fund charges are not included and would reduce the amount available. Success means the simulated pot did not run out before the selected end age; no minimum inheritance or remaining capital is required. A displayed probability of 99% is not a guarantee. Actual outcomes will vary. Past performance is not a reliable indicator of future results. The value of investments can fall as well as rise, and you may get back less than you invest.

hello@foundationwealth.co.uk | 07785 388531