Wealth Projections
Model future wealth with different assumptions. Changes here are not saved.
Projection Assumptions
£
£
%
Compounded annual growth rate, e.g. global equities ~8%
%
Traditional 60/40 portfolio ~10%
%
UK target: 2%
£
Total annual income you want
£
State + employer pensions
Total income needed:£50k/year
−
Pension income:£20k/year
=
Portfolio drawdown:£30k/year
Planned gifts included:£70k
Next gift:£5k on 30 Jun 2027
Success Rate
100%
of 1000 simulations
Median at Age 95
£3.49M
50th percentile
Bad Scenario (10th %ile)
£1.03M
at age 95
Good Scenario (90th %ile)
£8.89M
at age 95
At Retirement (Age 64)
£1.12M
deterministic (no volatility)
At Age 95
£3.50M
deterministic (no volatility)
Peak Wealth
£3.50M
deterministic
New Contributions
£36k
until retirement
Monte Carlo Simulation (1000 scenarios)
10th-90th percentile range
25th-75th percentile range
All values in today's money. Volatility of 10% simulates market fluctuations around the CAGR path.
Year-by-Year Breakdown
| Age | Portfolio (Today's £) | New Contributions | Planned Gifts | Portfolio Drawdown |
|---|---|---|---|---|
| 61 (now) | £932k | £0 | - | - |
| 62 | £991k | £12k | £5k | - |
| 63 | £1.05M | £24k | £5k | - |
| 64 🎉 | £1.12M | £36k | £5k | - |
| 65 | £1.15M | £36k | £5k | £30k |
| 66 | £1.18M | £36k | £5k | £30k |
| 67 | £1.21M | £36k | £5k | £30k |
| 68 | £1.24M | £36k | £5k | £30k |
| 69 | £1.28M | £36k | £5k | £30k |
| 70 | £1.30M | £36k | £25k | £30k |
| 71 | £1.34M | £36k | £5k | £30k |
| 72 | £1.38M | £36k | - | £30k |
| 73 | £1.43M | £36k | - | £30k |
| 74 | £1.48M | £36k | - | £30k |
| 75 | £1.53M | £36k | - | £30k |
| 76 | £1.59M | £36k | - | £30k |
| 77 | £1.65M | £36k | - | £30k |
| 78 | £1.71M | £36k | - | £30k |
| 79 | £1.77M | £36k | - | £30k |
| 80 | £1.84M | £36k | - | £30k |
| 81 | £1.92M | £36k | - | £30k |
| 82 | £1.99M | £36k | - | £30k |
| 83 | £2.07M | £36k | - | £30k |
| 84 | £2.16M | £36k | - | £30k |
| 85 | £2.25M | £36k | - | £30k |
| 86 | £2.35M | £36k | - | £30k |
| 87 | £2.45M | £36k | - | £30k |
| 88 | £2.56M | £36k | - | £30k |
| 89 | £2.67M | £36k | - | £30k |
| 90 | £2.79M | £36k | - | £30k |
| 91 | £2.92M | £36k | - | £30k |
| 92 | £3.05M | £36k | - | £30k |
| 93 | £3.19M | £36k | - | £30k |
| 94 | £3.34M | £36k | - | £30k |
| 95 | £3.50M | £36k | - | £30k |