Financial Fitness

The Financial
Finish Line

One sheet to know
your future is funded.

Begin your calculation
F— it FINANCE
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
→ Good. Now Step 2 — let's see what income you already have coming in.
£
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.
→ Step 3 will show you the exact income gap you need to bridge.
£
£
£
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
→ Step 4 converts this into the investment pot that covers it permanently.
My Annual Goal = My Target − Total Income Forecast
£ —

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.

→ Your finish line is set. Scroll down to see what it takes to reach it.
My Annual Goal ×20 (5%)
×20
£ —
My Annual Goal ×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

💡 Your finish line figures have been carried through from the worksheet. Initial investment is set to — and your ×25 target is —. Adjust any field to explore different scenarios.

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.