UK Retirement Calculator

UK Retirement Calculator
ISA · SIPP · FIRE

The only free Monte Carlo retirement calculator built for UK investors. Models ISA allowances, SIPP contributions, UK tax rates (30%), and FTSE historical returns across 1,000,000 scenarios.

🇬🇧 Calculate My UK Retirement
🇬🇧 UK Tax Rates Modelled 📈 FTSE Returns 💷 ISA & SIPP 🆓 Free Forever
UK-Specific Modelling

Built for UK Investors

Most retirement calculators are built for the US. MonteCarloSimulation.ai models the UK specifically:

  • UK Income Tax: ~30% effective rate modelled
  • FTSE All-Share: ~7.5% historical real returns
  • UK Inflation: RPI/CPI historical data
  • ISA Allowance: £20,000/year tax-free growth hint
  • SIPP: Self-invested personal pension modelling
  • UK FIRE Community: 3% to 3.8% safe withdrawal rate

Select "United Kingdom" in the country dropdown and all economic parameters automatically calibrate to UK data.

UK FIRE Considerations

UK-Specific FIRE Planning

💰 ISA: The UK FIRE Vehicle

The Stocks & Shares ISA offers £20,000/year of completely tax-free investment growth and withdrawals — the primary UK FIRE vehicle. Max it every year.

🏦 SIPP for Pension Savings

SIPP contributions attract income tax relief at your marginal rate. A basic rate taxpayer gets 20% government top-up. Higher rate taxpayers get 40%.

👴 State Pension Modelling

The full UK State Pension (~£11,500/yr in 2026) reduces how much your private portfolio needs to fund. Factor it in for realistic UK retirement planning.

🇬🇧 Calculate Your UK Retirement Free

Select United Kingdom, enter your details, and run 1,000,000 Monte Carlo simulations of your UK retirement. ISA, SIPP, and FTSE returns all modelled correctly.

🇬🇧 Start UK Retirement Calculator