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Questions? Call Celtic Financial Planning on 01352 390 121 or email hello@celticfp.co.uk.
Modern | Dynamic | Honest
Are you on track for the retirement you want?
Answer a few quick questions and we'll give you a personal Retirement Readiness Score, an interactive cashflow picture and a report you can download — in about 3 minutes.
Takes ~3 minutes
Nothing is stored
Free PDF report
Your privacy: this tool runs entirely in your browser. Nothing you type is saved, sent or seen by us — your answers disappear when you close the page.
Important — this is not financial advice. This checker gives general information using simplified assumptions. Celtic Financial Planning Ltd is not providing advice or a personal recommendation at this stage — that only happens after a full review with one of our advisers.
First, a little about you
We only use this to personalise your results and your PDF report — nothing is stored or sent to us.
Please tell us your name so we can personalise your report.
That doesn't look like a valid email — or leave it blank.
Please enter an age between 18 and 74.
Couples: enter your combined pensions and savings throughout.
5575
67
Data protection. You voluntarily choose to provide personal details to us via this tool. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. Details you type into this checker itself stay on your device and are not stored by or sent to us. If you contact us, you agree that such personal information may be used to provide you with details of our services and products in writing, by email or by telephone, and by submitting an enquiry you give your agreement to receive contact from us. For more information please see our Privacy Policy — by contacting us you agree that we may process your information in accordance with this policy.
What kind of retirement are you aiming for?
Pick a lifestyle or set your own target. Figures are per year, after tax, in today's money, based on the independent Retirement Living Standards (Pensions UK, 2026) for a single person.
£
Please choose a lifestyle or enter a target of at least £5,000.
Why "today's money" matters — the price of a pint
Prices creep up over time. Drag the slider to see what everyday things could cost by the time you're retired, assuming 2.5% inflation a year (typical UK prices, approximate).
Now40 yrs
in 20 years
£100 today would only buy £61 worth of goods in 20 years — that's why we show everything in today's money.
How do you feel about investment risk?
Three quick questions — we'll suggest an illustrative growth style for your projection. This is a taster, not a real risk assessment: in a full review we assess your attitude to risk and your capacity for loss properly.
Your growth style for this illustration — suggested from your answers, tap to change
Important: these growth rates are examples only, chosen to show how risk changes the picture. Real returns could be lower or higher than any of them — and in some years negative. Past performance never guarantees the future.
Your pension savings so far
Rough figures are absolutely fine — you can fine-tune later with the what-if sliders.
£
Add up workplace + personal pensions (not final-salary — add that at the next step).Please enter a value (0 is fine).
£
Include your contributions and your employer's, plus tax relief if you know it.Please enter a value (0 is fine).
The full new State Pension is £241.30/week (£12,548/yr) in 2026/27. You need 35 qualifying NI years for the full amount — check yours at gov.uk/check-state-pension. Bear in mind State Pension rules, ages and amounts may change in the future.
Anything else in the pot?
All optional — leave blank if not relevant.
£
Only what you'd genuinely use to fund retirement.
£
Money you invest for the long term outside your pension.
Other income you expect in retirement (per year, today's money)
£
The yearly pension your scheme statement promises.
£
After costs, from property you'll keep.
£
Anything else you reliably expect each year.
Your Retirement Readiness
All figures are in today's money and based on the assumptions listed below — this is guidance, not financial advice.
0out of 100
—
Your money over time
Projected value of your pot from now to age 95, in today's money — the gold years are while you're still saving.
Saving yearsRetirement yearsPot runs out
View as a table
Where your retirement income comes from
A taste of cashflow modelling: each year's income stacked against your target line.
State PensionOther incomeFrom your potYour target
Play with your future
This is what cashflow modelling feels like — drag the sliders and watch your score and charts respond instantly.
Cautious 3%Balanced 5%Adventurous 7%
Stress test on: markets fall 10% a year (before inflation) in your first three years of retirement, then your chosen growth style resumes. This is sequence-of-returns risk — a smooth average hides it, and poor early returns do disproportionate damage. A full review stress-tests your plan properly against many scenarios.
Life expectancy: a 65-year-old in the UK today can typically expect to live to around 85–88, and roughly 1 in 4 will reach their 90s (ONS estimates) — so we plan to age 95 by default for a safety margin. Slide it up or down to see the effect.
What we’d flag in a free initial meeting
Based on what you’ve told us — a sample of the things our Chartered Financial Planners look at.
⚙ The assumptions behind your score (important)
Turn your score into a plan — free initial meeting
This checker uses broad-brush assumptions. In a free, no-obligation initial meeting, our Chartered Financial Planners provide independent, whole-of-market advice and build the real thing:
Full cashflow modelling, stress-tested against market falls
A review of your funds and how they're performing
A check on charges that could be quietly eating your returns
