Financial calculators for European expats
Model specific pension and retirement decisions using real inputs. These are starting points for informed analysis, not replacements for a full financial review.
Model your pension and retirement numbers
Three calculators covering the decisions UK-scheme members abroad most commonly face: CETV valuation, state pension top-up arithmetic, and retirement income sequencing across multiple sources.
CETV Estimator
Estimate the cash equivalent transfer value of a defined benefit pension using salary, accrual rate, years of service, and current gilt yields. A starting point, not a formal valuation.
Open calculator → 🏛UK State Pension Calculator
Model your qualifying years, the cost of voluntary Class 2 and Class 3 NI contributions, and the pension income recovered. The arithmetic case, clearly stated.
Open calculator → 📈Retirement Income Planner
Project retirement income from SIPP drawdown, state pension, investment portfolio, and offshore bond withdrawals. Model different withdrawal sequences and tax treatment by jurisdiction.
Open calculator →Find out when work becomes optional
Financial independence is a number, not a feeling. Work out the five that matter, from the thin number that covers your essentials to the point where compounding finishes the job for you.