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We all strive to have a secure, fulfilling retirement, safe in the knowledge that we have secured enough to maintain the lifestyle that we have become accustomed to. But how much is enough for retirement?
Our simple retirement calculator below can help you work out if you are likely to be able to live the retirement that you hope for. More importantly, it can also give you an indication how much more you might need to save to fulfil your retirement goals.
This calculator is purely for illustration purposes only and does not constitute advice or guarantee amounts.Amount needed in first year of retirement:
Current age:
Retirement age
Money already saved:
Current pension pot:
Savings + Pension + Growth:
Expected savings per year:
Expected pension savings per year:
Assumed growth rate
At retirement you will need.
£000,000
At retirement you will have saved.
£000,000Before you make any financial decision, you should read the information provided on our website; together with the relevant product literature. W e also recommend that you speak to a financial adviser before you make any financial decisions. The results do not represent what you might receive back if you invested in one of Hansard’s products. Your financial advisor will be able to arrange a detailed Hansard product illustration on request
The results offer a general idea of how you much will need to save in order to fulfil an annual amount of money in your retirement years, they are not intended to be investment advice.
The value of your retirement income depends on a number of factors such as charges, investment performance, and how much has been paid in. The value of your investment can go down as well as up. Ultimately, you may get back less than what you put in.
The results are based on a constant growth rate as chosen by you, it is more likely, however, that growth rates would vary over the term. W e have assumed an interest rate of 3% per annum in converting the retirement income requirements into the lump sum needed at retirement.
The value of your retirement income depends on a number of factors such as charges, investment performance, and how much has been paid in. The value of your investment can go down as well as up. Ultimately, you may get back less than what you put in.
The results assume that a male investor will live to age 90 and a female to age 93, although you may live much longer or incur medical bills/other unexpected significant expenses early on in your retirement that may raise your costs further.
In order to calculate the monetary value of your savings at a future date, a rate of inflation that is half that of your chosen growth rate is assumed, e.g. if a growth rate of 9% is chosen, the assumed inflation rate will be 4.5%.
No tax deductions have been assumed in the calculations.
The results do not represent what you might receive back if you invested in one of Hansard’s products. Your financial advisor wi ll be able to arrange a detailed Hansard product illustration on request
Perhaps the ultimate gift you can make is the gift of a quality education. A good higher education qualification in today's competitive employment market has become an essential passport to greater career opportunities.
If you want to give your children the best possible start in life then there is no time to lose. Starting to save regularly when your children are young gives you the best opportunity to pay for the cost of your children’s education.
Our Education Fees Calculator below shows how much you may need to save each month, in order to give your loved ones the best possible start in life.
This calculator is purely for illustration purposes only and does not constitute advice or guarantee amounts.Total Costs per year:
Money Saved + Growth:
Years Remaining:
Annual Growth Rate:
Year Education Begins:
Duration of Education:
Total cost of further education
£000,000
Monthly savings amount required:
£000,000Before you make any financial decision, you should read the information provided on our website; together with the relevant product literature. W e also recommend that you speak to a financial adviser before you make any financial decisions.
The results offer a general idea of how much you would need to save, on a monthly basis, in order to pay further education fees for the period stipulated by you, they are not intended to be investment advice.
The value of your income/investment depends on a number of factors such as charges, investment performance and how much has been paid in. The value of your investment can go down as well as up. Ultimately, you may get back less than you put in.
The results are based on a constant growth rate as chosen by you, it is more likely, however, that growth rates would vary over the term.
The results do not represent what you might receive back if you invested in one of Hansard’s products. Your financial advisor will be able to arrange a detailed Hansard product illustration on request.
You may be planning to buy your ideal holiday home in the sun or maybe buy the yacht or sports car that you have always desired. You may be looking forward to an active, rewarding and fulfilling retirement, safe in the knowledge that you are financially stable
Whatever your savings goals, our simple savings goals calculator can help you calculate how much you will need to save to fulfil it.
This calculator is purely for illustration purposes only and does not constitute advice or guarantee amounts.Targets:
Money Saved + Growth:
Years Remaining:
Annual Growth Rate:
Your monthly savings amount required:
£000,000Before you make any financial decision, you should read the information provided on our website; together with the relevant product literature. W e also recommend that you speak to a financial adviser before you make any financial decisions.
The results offer a general idea of how much you would need to save, on a monthly basis, in order to realise your savings goals by the date stipulated by you, they are not intended to be investment advice. The value of your savings will depend on a number of factors such as charges, investment performance, and how much has been paid in. The value of your investment can go down as well as up. Ultimately, you may get back less than what you put in.
The results are based on a constant growth rate as chosen by you, it is more likely, however, that growth rates would vary over the term.
The results do not represent what you might receive back if you invested in one of Hansard’s products. Your financial advisor will be able to arrange a detailed Hansard product illustration on request.