£
Whatever's actually left once the deal completes and tax is accounted for.
£
Leave blank if you'd rather keep this separate.
£
One rough figure is fine, before tax.
A ballpark using a standard 4% withdrawal rate, not a personalised financial plan.
Your rough sustainable income
Roughly £0 a year
This uses a standard 4% safe withdrawal rate on your total pot, a common rule of thumb designed to make a pot last through a full retirement, typically 25 to 30 years, without running out. It's not tied to a specific number of years you choose, it's built to be sustainable over a long retirement by default. It doesn't account for tax on withdrawals, investment returns or costs, inflation, or the State Pension. It's a starting point, not a plan.
Well done for taking this step.
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Your next step
A rough number isn't a plan.
You've got a rough sustainable income. The Freedom Number gives you the real one, your whole financial picture worked through once, properly.
- Your actual number, not a rough estimate from three fields
- Every account, pension, and asset in one place
- A clear view of what closing any gap actually takes
15 minutes, honest answers, one clear statement at the end that's genuinely yours.
Prefer to work through it on paper instead? A printable Freedom Number workbook is also available on Etsy and Gumroad.
This calculator is educational and does not constitute regulated financial advice. The result is a generic illustration based on the figures you enter, not a personalised recommendation or projection of your circumstances. It excludes tax, investment returns, inflation, and the State Pension. Always consult a qualified financial adviser before making significant financial decisions.