Free retirement calculator
When could you stop working?
Four short steps, about three minutes. No sign-up, and nothing you type is sent to us unless you bring it with you when you join.
Your results
a yeara year
An estimate built on 10 assumptions.
Choose an age to stop working
Each bar is the most you could draw every year, to 95
Watch the bars rise: more saved now means more to draw, or stopping sooner.
Make it last, or leave something behind
Drawing less each year leaves money to pass on. Drawing more spends it sooner.
Make it yours
Make it accurate, then make it a plan.
This estimate fills 10 gaps with assumptions. Merido can replace 9 of them with your own figures. The last, growth and inflation, nobody can know.
9 of 10 replaced by your own figures
Your real figures
Merido reads your bank statements, pensions and mortgage, so the plan starts from what you spend and hold, not from estimates.
Prices that keep up
Merido updates the value of your investments and pensions as prices move, so your plan never goes stale.
A plan you commit to
Set the age you'll stop and what you'll save. Merido checks each month whether you're on course, and shows what to change if you're not.
Your answers stay in this browser unless you bring them with you when you sign up.
Merido gives education, not advice. These figures are estimates in today's money, not a promise of what you'll get: markets, tax rules and the State Pension can all change. State Pension, income tax and pension access rules are the 2026-27 rules for England, Wales and Northern Ireland. If you're unsure what to do, speak to a regulated financial adviser or use the free guidance from MoneyHelper.