ISA Bridging Calculator 2026/27
See whether your Stocks and Shares ISA can cover the years between early retirement and pension access age. Adjust your balance, contributions and withdrawal goal below to test the gap.
Quick setup
Start with your current ISA balance here, then fine-tune pension access age, contributions, withdrawals, growth and fees in the full calculator below.
Current Age
Pension Access Age
Min. 55
Target Annual Income (Post-Tax)
£
Annual ISA Contributions
£Max. £20k
Expected Investment Growth
% per year
Fund Fees
% per year
Fund Fees Cap
£Max annual fee: £875
Notes
- Other sources of income are ignored; you can adjust your inputs to allow for them.
- ISA contributions are limited to £20,000 a year.
- All Stocks and Shares ISA withdrawals are tax-free.
- The investment growth rate is adjustable. The default is 5% a year (after 2.5% inflation).
- Withdrawals are spread evenly across the bridging years.
- This is a projection. Actual investment returns may be very different from the assumed growth rate.
Something look off? Get in touch to provide feedback.