Your current personal, lifestyle and medical information can affect how long you might live for. We have based our calculations on UK Pensions Industry Data* and your own assessment of your general health.

'Excellent' - assumes that you are feeling pretty good and haven’t been to the doctors for as long as you can remember. Your height and weight are fine, and you don’t take any tablets for any health conditions.

'Reasonable' – assumes that you are feeling okay health wise, but not brilliant. You have managed to give up smoking, and you take medication for Type 2 Diabetes.

'Challenging'– assumes that your health is struggling as a result of a more serious condition such as Parkinsons that is impacting on your activities of daily living.

'Critical'– assumes that you are suffering from a very serious medical condition, such as cancer, and undergoing treatment for it. You may find it difficult to get about, and possibly need assistance with day-to-day activities.

*The Continuous Mortality Investigation (2017).

This is your total annual income shown at the age you have selected.

These costs are your total annual outgoings in retirement made up of your essential costs such as gas, electric, water, council tax and rent/mortgage repayments as well as other costs for the fun stuff such as holidays, memberships, eating out and entertainment.

The total figure will show whether or not you have a shortfall or surplus amount once essential costs have been deducted from your income. If you have an equal amount of costs to income then the value will show as £0.00.

This chart compares your expected income and outgoings through retirement. Outgoings are shown both in total and as essential costs. We also overlay longevity which shows the percentage chance of living to certain ages (based on your own assessment of your general health).

Key for results:

Blue line = Retirement income
Green line = Essential household retirement costs
Red line = Total retirement costs