Pension Monte Carlo

Retire when pot hits threshold (e.g. age 57–63). 4% rule, income floor/ceiling, uni fees & gifts. Today’s £. This is not financial advice.

Assumptions

Current age ⓘ

Starting pot (£) ⓘ

Annual contribution (£) ⓘ

Retirement threshold (£) ⓘ

Earliest retirement age ⓘ

Latest retirement age ⓘ

Income floor (£/yr) ⓘ

Income ceiling (£/yr) ⓘ

Withdrawal rate (%) ⓘ

Pensions

State pension age ⓘ

State pension (£/yr) ⓘ

Your age when partner's pension starts ⓘ

Partner pension (£/yr) ⓘ

Defined benefit pensions

Add workplace or other DB pensions (start age + amount). They count toward your income floor/ceiling like state pension.

Partner DC pensions

Add partner DC pots: current value, your age when each becomes available for withdrawal, and yearly contribution. Tick to contribute until you retire, or set an age when contributions stop.

Children (0–4)

Number of children ⓘ

Uni costs/year (£ per child) ⓘ

Uni years (per child) ⓘ

Gift amount (£ per child) ⓘ

Min pot to gift (£) ⓘ

Child 1

Goes to uni Your age when they turn 18

Gets gift Your age when you give gift

Child 2

Goes to uni Your age when they turn 18

Gets gift Your age when you give gift

Child 3

Goes to uni Your age when they turn 18

Gets gift Your age when you give gift

Child 4

Goes to uni Your age when they turn 18

Gets gift Your age when you give gift

Simulation

Models to run ⓘ

Standard MC Regime-switching (Markov)

Expected real return (%) ⓘ

Volatility (%) ⓘ

Simulation runs ⓘ

Chart Y-axis max (£M) ⓘ

Lock seed (reproducible)

Money lasts to 90: —%

Ruin: — runs

Median retirement age: —

Median pot at retirement: £—

Median estate at 90: £—

Chart at a given age shows median pot across all runs at that age (so includes runs who retired earlier and have already drawn down).

Full text report