Before you start

A little about you

Your name

Target retirement age

Working retirement income target, monthly

The number you're currently aiming to have coming in each month once you stop working. A rough figure is fine.

Your State Pension forecast, weekly

This is guaranteed income that reduces what you need from savings and pensions. If you don't know it, get your free forecast at gov.uk/check-state-pension, it takes about two minutes.

The picture

A day, not a budget line

Before any numbers, picture an ordinary Tuesday. Take your time, the more specific you are, the more useful the rest of this gets.

Where do you wake up, and what does the first hour look like? Are you working, volunteering, or fully retired? If working, what kind, and how many hours a week? Who's around you during the day? How vivid is this picture to you right now?

Name what comfortable means

Housing

Where do you picture living: same home, smaller home, a different city or country? What does that space need to have for you to feel settled? Not luxury, just non-negotiables. Would you ever downsize, relocate, or help family with housing? What would trigger that?

Name what comfortable means

Health & family

What does "taken care of" mean to you physically and mentally in retirement? What would genuine peace of mind about health cost: insurance, care support, a buffer? Who are you currently supporting financially, and do you expect that to continue, grow, or taper off?

Name what comfortable means

Travel, giving & everyday life

How often do you want to travel, and with whom? What kind: modest, or bucket-list? What causes, communities, or people do you want to support financially? What would you never want to cut, even in a tight month?

Name what comfortable means

Your safety cushion

What financial scenario worries you most about retirement? Be specific. What would "safe" actually feel like: a set figure, a number of months covered, something else?

Attach numbers

Now put a cost against it

Use your best estimate. You can revisit these later, the goal right now is a real number, not a perfect one.

CategoryEst. monthly cost

Housing

£

Health & care

£

Family

£

Travel & experiences

£

Giving

£

Everyday life

£

Safety cushion

£

Total monthly

£0

Reflect

What did that bring up?

What surprised you while filling this out? What's the one thing in this picture you're not willing to compromise on? If there's a gap between your picture and your target, what would you adjust first: the picture, the timeline, or the savings rate?

Your comparison

Your numbers, side by side

.

Your itemised total

£0 /mo

Your working target

£0 /mo

State Pension, monthly

£0 /mo

Guaranteed income on top of your picture and target — reduces what you need from savings.

Your picture£0/mo

Your target£0/mo

Save it

Keep this somewhere you'll actually see it again

This kind of clarity fades fast once life picks back up. Save your answers so you have them for your next money conversation, whoever that's with.

Unlock your full report — £5.99

Your full Retirement Visualiser: every answer, your itemised numbers, and the gap against your target, as a report you can keep.

A little about you

A day, not a budget line

Housing

Health & family

Travel, giving & everyday life

Your safety cushion

Now put a cost against it

What did that bring up?

Your numbers, side by side

Keep this somewhere you'll actually see it again

Unlock your full report — £5.99

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