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. 55Target Annual Income (Post-Tax)
£Annual ISA Contributions
£Max. £20kExpected Investment Growth
% per yearFund Fees
% per yearFund Fees Cap
£Max annual fee: £875Results
| Total Contributions | Total Withdrawals | Total Fees Paid | Final Balance |
|---|---|---|---|
| Total Contributions N/AFor 0 years | Total Withdrawals N/AFor 0 years | Total Fees Paid N/AInvestment fees | Final Balance N/AAt age 58 |
Get an accurate forecast using Saving Tool Advanced
This calculator serves as a general guide for figuring out how to bridge an early retirement to your pension access age using your ISA.
To run a full simulation that takes into account your income, outgoings, existing investments and lots more, create a scenario using Saving Tool Advanced. Saving Tool Advanced also supports Defined Benefit pensions.
Go to Saving Tool Advanced →Notes
- Other sources of income are ignored; you can adjust your inputs accordingly
- ISA contributions are limited to £20,000 per year
- All S&S ISA withdrawals are 100% tax-free
- Investment growth rate is adjustable - the default is 5% annual growth (net of 2.5% inflation)
- Withdrawals are spread evenly across bridging years
- Remember that this is a projection and actual investment returns may vary significantly from the assumed growth rate
Something look off? Get in touch to provide feedback.