ThreeScoreAndOn maps your pensions, ISAs, property and State Pension across your whole retirement, then stress-tests the plan against real market history. Built around UK rules, with every figure sourced so you can check our working.
Somewhere in your forties or fifties, the question quietly changes. For years the goal was simply to keep going — earn, save, pay down the mortgage, pay into the pension you barely think about. Then, without any announcement, a different question moves in: where is all this actually heading?
That question is a gift, because it arrives while there's still time to answer it well. The years on the approach to three score — sixty — are the ones that decide what the years beyond it feel like. They're when scattered pots can be gathered into one picture, when a choice made on purpose still has a decade or two to compound, and when "I hope it works out" can become "I've seen that it does."
The pivot at sixty isn't a moment you arrive at and hope for the best. It's something you build towards — deliberately, in the years before.
The years heading towards sixty. Pull the scattered pieces together, see the whole picture for the first time, and start guiding your path while your choices still have time to work.
Sixty — the turn from building to living on it. Because you prepared for it, it's a step you take with confidence, not a cliff you reach with crossed fingers.
The decades that are yours. Income that lasts, tax kept fair, and a legacy shaped on purpose — not left to chance.
Understanding your own money is a skill, not a secret. We give you the same engine a planner would use — in plain English — so you can explore the choices yourself and steer with intent. Choose to see an adviser too, and you'll walk in knowing exactly what to ask.
You can't steer what you can't see. One picture: every pot, every property, every year from now to a hundred. Scattered becomes whole — early enough to act on it.
A decision made at fifty has fifteen years to compound; the same decision at sixty-five has none. See what each choice does across your whole future, while there's still time for it to matter.
Before you can plan for the retirement you want, it helps to know what most people retire on today — and how far it really stretches.
The average UK full-time worker earns about £38,100 a year.3 Most pensioners live on well under half of that. Across all sources combined, the average pensioner family receives roughly £689 a week in gross income — and around 70% of pensioners draw on a private or workplace pension on top of the State Pension to get there.2
"Average" is a comfortable word that hides an uncomfortable spread. The poorest fifth of pensioners live on under £12,000 a year, while the richest fifth draw several times more — the difference is almost entirely down to private and workplace pensions built up during working life.4 Where you land in that range is decided largely in the years before you stop working.
Independent research for the Pensions & Lifetime Savings Association sets out what three lifestyles actually cost each year, after tax and excluding housing: a Minimum of £13,400 for one person (£21,600 for a couple), a Moderate £31,700 (£43,900), and a Comfortable £43,900 (£60,600).5 Set against the typical pensioner income above, a comfortable retirement is a stretch most people have to plan for deliberately — it rarely happens by default.
Since 2012, most employees are automatically enrolled into a workplace pension at a minimum of 8% of qualifying earnings — 5% from you (including tax relief), 3% from your employer.6 On the median full-time salary of about £39,000, that's roughly £218 a month going into a pension — and for many people it's the only retirement saving they do.
Left to run for a full working life (age 22 to 68) at a middle real-return assumption, that minimum builds a pot of around £250,000 in today's money. Drawn at about 4% a year, that's roughly £10,000 a year — and with the full new State Pension of £12,548 on top, a single person lands near £22,500 a year. That clears the Minimum standard comfortably, but sits well short of Moderate (£31,700), let alone Comfortable. And that's the optimistic version: it assumes 46 unbroken years on the median wage, with no career gaps, lower-paid spells, or time below the earnings trigger — so most people's default-only pot ends up smaller still.
ThreeScoreAndOn exists to help you see that answer for yourself — mapping your pensions, ISAs, property and State Pension across your whole retirement, so the numbers above become your numbers, not someone else's average.
Figures are drawn from official UK government and independent research sources (below) and are provided for general information and education. ThreeScoreAndOn is a planning and education tool, not financial advice.
A good plan accounts for the support available too. UK pensioner benefits fall into two groups — and which apply to you depends largely on your income.
Pension Credit is the one to understand. It tops a low income up to £238 a week for a single person or £363.25 for a couple (2026/27), and even a token award acts as a key that unlocks Council Tax Reduction, the Warm Home Discount and more.1 Yet it is dramatically under-claimed: the DWP estimates around 910,000 eligible households don't claim it, leaving up to £2.5 billion unclaimed each year.3
| Yearly income (roughly) | What's typically available |
|---|---|
| Below ~£12,400 single / ~£18,900 couple | Pension Credit and its passported benefits, plus the Winter Fuel Payment |
| Modest, above the Pension Credit line | Council Tax Reduction may still apply (tapered, local); Winter Fuel Payment in full |
| Up to £35,000 | Winter Fuel Payment kept in full; Attendance & Carer's Allowance if care needs are met (any income) |
| Above £35,000 (per person) | Winter Fuel Payment clawed back; still eligible for Attendance & Carer's Allowance, which ignore income |
ThreeScoreAndOn helps you see where your projected income sits against these thresholds across your whole retirement — so you know which support you might lean on, and when.
Figures are 2026/27 and drawn from official UK government and charity sources (below), provided for general information and education. Rules differ in Scotland and Northern Ireland, and Council Tax support is set locally. ThreeScoreAndOn is a planning and education tool, not financial advice — check your own entitlement at gov.uk or with Citizens Advice / Age UK.
Most calculators give you one tidy line. Real retirement is messier. ThreeScoreAndOn shows the whole picture, year by year, in today's money.
We project every pot — pensions, ISAs, cash, property — across each year of retirement to age 100, drawing income in the most tax-efficient order and showing exactly when (or whether) the money runs out.
Replay your plan through the 2007 banking crisis, the 1970s, the dot-com crash, COVID — or any historical start year. Add Monte Carlo and sequence-of-returns tests to see how a bad first decade really bites.
The £100k allowance taper, the 2027 rental-income reform, dividend and savings rates, and the Inheritance Tax your family would face — modelled properly, so the plan reflects what you actually keep.
Everything a good adviser would model — built for people who'd rather see it for themselves.
Every pot, every year, in today's money — with the most tax-efficient withdrawal order worked out for you.
Backtest against real UK history or thousands of simulated futures, including sequence-of-returns and care-cost shocks.
Personal-allowance taper, the 2027 rental reform, dividends, savings and CGT — not a flat estimate.
Pension Credit, Attendance Allowance and more — ~£2.5bn goes unclaimed each year. We show what could apply to you.
Model both partners, leave wealth to the next generation, and see the Inheritance Tax picture across the family.
Download your whole plan as a file and load it back any time — version history travels with it. No lock-in.
Every chart can be expanded, every number traced back to its source. You always know why the figure is what it is.
Pensions, ISAs, property, State Pension, the income you'd like. A guided setup gets you going in minutes — and you can refine it any time.
Watch your pots play out year by year, then put the plan through real crises and thousands of simulations to find where it's fragile.
Change retirement age, spending or strategy and watch the outcome move live. Save it as a file and pick up exactly where you left off.
No jargon, no spreadsheets. Your Health Check sums up your retirement in plain English — starting with the one thing everyone wants to know: will my money last?
Retirement data is about as personal as it gets. We treat it that way.
ThreeScoreAndOn is a planning and education tool, currently in pre-production and provided free, as-is, with no guarantees of accuracy, availability, or fitness for any purpose. It does not provide regulated financial advice or personal recommendations. You are responsible for checking every calculation, and any decision you make is yours and yours alone. Tax rules are modelled to the best available information and can change; capital is at risk; past performance is not a guide to the future. For decisions that matter, speak to a qualified, regulated financial adviser.
It takes a few minutes to find out whether your money lasts as long as you do. Threescore years and ten — and every year on.
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