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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.

View full forecast →

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

Results

Total Contributions
N/A
For 0 years
Total Withdrawals
N/A
For 0 years
Total Fees Paid
N/A
Investment fees
Final Balance
N/A
At age 58

ISA Bridging Forecast

How your ISA balance would look over time.

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

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