Financial Fitness

The Financial
Finish Line

One sheet to know
your future is funded.

Begin your calculation
You

You earn, save, maybe invest already —
but are never sure it's enough.

The following steps give you a line to aim for
and a path to get there. Set the direction. Retire the worry.

◆ YOUR FINISH LINE ◆

The Worksheet

Your Finish Line

Step 01

What annual income would make you feel secure?

  • Use your Gross Annual Income (pre-tax) as a reference
  • Don't overthink it
  • The income to make you feel safe — not rich
  • Example: £50,000 per year
£
Your Target
£ —
Step 02

What do I already have?

(Use 0 if unsure — you can refine later)

  • Public / State Pension per year
    • UK full state pension ≈ £12,000/yr
  • Private / Work Pension per year
    • Check your provider's forecast calculator
  • Other income per year
    • Investments, property rental, etc.
£
£
£
Total Income Forecast
£ —
Step 03

What bridge do I need to build?

The difference between your ideal income and your forecast — this is the gap you're building toward closing.

Example

Ideal annual income£50,000
− State Pension£12,000
− Private Pension£10,000
− Other Investments£0
= Total Forecast£22,000
Your Goal£28,000 / yr
My Annual Goal
£ —

This is how much additional annual income your investments need to generate for you.

Step 04

What does my goal translate to in savings?

Multiply your annual goal by 20–25 to find your target investment pot.

  • ×20 = 5% withdrawal rate
  • ×25 = 4% withdrawal rate (more conservative)

Why 4–5%?

A general rule in retirement planning: live off 4–5% of your invested assets each year. At this level, you're living off growth — not draining the pot. You don't need perfect market conditions. You have a realistic, conservative finish line.

Target at ×20 (5%)
×20
£ —
Target at ×25 (4%)
×25
£ —

This is your financial finish line — the pot size that funds your ideal life indefinitely.

◆ THE PATH ◆

Compound Interest Calculator

Path to a
Funded Future

See how your investments could grow over time. Enter your numbers below — results update the moment you calculate.

  • Initial investment What you already have saved or invested
  • Annual growth rate 7–10% is a long-term planning range — not a prediction, a reference
  • Duration Years until you want financial freedom
  • Monthly contributions What you can comfortably commit to today
£
%
£

Your Investment Results

Based on your inputs

Final Investment Value
—
Total You Contributed
—
Investment Growth
—
Annual Income This Generates
—
At a 4% withdrawal rate
🎯

vs. Your Finish Line

Enter your goal above to see how this compares to your finish line.