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How much do you need to retire? Retirement Calculator - Retirement Planning UK

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Description How much do you need to retire? Retirement Calculator - Retirement Planning UK

Comments How much do you need to retire? Retirement Calculator - Retirement Planning UK

Thanks for the spreadsheet Finding it hard to get my head round it How can I use it if in receipt of DB pension Also state pension I can understand the need for £40 K for that type of lifestyle but you have to assume you have that money invested Comment from : Mo Patel

My car has more than 20 years and still works OK, not expecting to buy a new one any soon Buy a car and use it until it "drops it's wheels", it's the more efficient way to own a car :) Comment from : Luis Sismeiro

A really interesting video I think you are not far away with your expense calculations Only thing still a lot of people my age have final salary pensions you should make a provision for those and the state pension Comment from : David Pearson

Is on an individual basis or as a couple? Comment from : Tim Stacey

Stumbled on you’re channel, really enjoyed the content 👍 found the pop up banners rather repetitive … Comment from : Paul Jones

Inflation is the silent Thief that will steal your wealth Your future You will become poorer and poorer unless you can exceed this hurdle rate!!brbr4 return may have worked in the past, but it is pitiful nowbrbrYour purchasing power is shrinking every day as the central banks inflate the currencybrbrThis type of planning in todays (post Covid ) world is futile, think Bigger and get out of FIAT Comment from : Derek White

The biggest things missing are age and state pension (along with a state pension start date) Thanks for the sheet if was a good starting point Comment from : Simon Ellwood

Hi Andy, Can you also add one cell / spreadsheet for income from Capital Gains as it can be with a tax-free allowance of £ 12300 per annum One can plan to disinvest some amount on annual basis and include the gains as a part of your retirement income plan ? Comment from : Narayan T

Great job !! really very useful Comment from : Narayan T

Very helpful, thank you so much Andy Comment from : toni

Hi Andy, great video, easily understood My question is how do I allow for income from private and public pension in this spreadsheet Comment from : David Alan Williams

this is a great piece of work its very kind of you to share the spreadsheet you need to get into schools and colleges to educate our children Comment from : Mick Brooker

Hello Andy, very useful stuff , thank you for making this available on you tube, I have seen few, but this is one of THE BEST VIDEO !, keep going ! Best Wishes is there a way i could reach you for one to one questions , thank you ! Comment from : Sukhbir Kapoor

Loved your video brI am a Brit living in Virginia USA just wondering if you could do a information video about old company pension plans stuck in the uk weather the person should leaving it there or cash in at 55 and invest it in the states Comment from : Mark Hosbrough

Downloaded the spreadsheet, thank you Comment from : Jas Pr

hi cant find download Comment from : Allan Lewis

Might be an obvious question but this is financial freedom at any age based on dividends only I e No drawdown? Comment from : me

thanks for the calc great video Comment from : Andrea C

Great spreadsheet - thanks for sharing Comment from : Bouncing Back

I tried to use spreadsheet on my iPad, but even though I can save & view, it doesn’t allow me to input any data Can you help sort please? Comment from : Phil Shaw

I saw your video I would like to download your spreadsheet calculator but can’t see a link Where would I find ? Comment from : Peter Kinahan

Hi Andy, great video, how do I get the link to download the calculator? Comment from : Mike Lord

This is a nice video and it's a good general guide to what retirement would cost Regarding tax though, if growing your wealth through a pension, it's my understanding the provider takes tax at source when you drawdown Also, I think pensioners pay a normal income tax rate in drawndown and not a dividend tax rate Another tax to think about is the dreaded lifetime allowance This unfairly penalises pension pots withdrawing over a certain amount over the lifetime of the pension Currently, it's around £1,073,100 The allowance was meant to go up in line with inflation but our government has frozen because they need to raise more tax Comment from : Gareth Clayfield

Great spreadsheet that ends up with the numbers on the door for a stable retirement - but in the UK part of this end number will end up being government pension - reducing your numbers by 100 -200K (single or married, SERPs or not) and if you are saving surely you would make those tax efficient (pension plan) and claim it back? Comment from : Tracy Townsend

This is awesome! Have downloaded and saved, can't wait to fill it out next time I have some spare time and be shocked or surprised at my spending habits Thanks so much for using your time to make this and distribute to us for free Comment from : LK

Greetings Andy! Yet another great vid At age 53, I have invested well (real estate, mortgages, self-directed traditional IRAs, an HSA, and an IRA/taxable trading accounts, a 401K and a pension) With 2 full time jobs, I am investing on a bi-weekly basis in a conservative but aggressive manner (I do the wheel strategy on dividend stocks to compliment my RE and 401K/SEP IRA contributions) I would like to continue on this track but stop working 1 of my jobs in exactly 3 yrs (I will continue to work the other FT time for the excellent benefits for an additional 4 yrs) It’s time for me to start putting the numbers down to make that a reality so your topic is perfectly timed One tiny problem I can’t see where to download your retirement calculator? I believe Comment from : Tami Dillon

has 30 dividend tax deducted from your Interest received? Comment from : Eddy Cheung

This does not consider inflation or the fact that spending changes with age It's unlikely you'll be spending as much on holidays from your mid 70s Comment from : Bright Button

This was great Comment from : RTR

Hi Scott, Great video and explanations I couldn't find the link to the spreadsheet Could you please post or send to me? Sorry, not very tech savvy Comment from : Pramod Nair

Congrats on your 1K subscribers!! Comment from : Eudaimonia Travels

Andy, super useful and informative video, thanks for taking the time in producing Just a quick couple of questions about the spreadsheet 1) Does this factor in inflation 2) what age have you allowed for actually commencing retirement 3) With regards to tax, did this include the 25 tax free drawdown allowance of your pension pot investment? Keep up the good work Comment from : Darren Rackett

Hello my friend! Great job with this excel plan! At travel you've putted MOT, what is that? Sorry for not beeing active last 2 weeks, I was travelling in my vacations and couldn't watch your videos! Comment from : Diogo Teixeira

Very helpful thanks Comment from : Oliver Marsh

Very nice tool Andy! I will definitely use it, thanks for sharing! Comment from : Camila Cotrim

Great video and great spreadsheet Well done Comment from : myminipda

A very cool tool Thank you 👍 Comment from : Momchil Boryanov

Love this type of video - thanks!! Comment from : designer23t

You make phenomenal videos! Never stop! I love the in-depth videos you did on AT&T and EPR Sincerely fantastic content You need more subs! Keep winning brother! Love from the US! Comment from : Rocco Garavuso

Nicely covered Andy Comment from : Paul Sternschein

Another great video Andy! My goal is financial freedom Comment from : Earthman

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