Saving Tool Advanced
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ISA Bridging Calculator
Use this calculator to see how you can bridge the gap between an early retirement and the age you can access your pensions using your Stocks & Shares ISA. Enter your details to see if you can achieve your retirement goals with tax-free ISA withdrawals.
Current Age
Pension Access Age
Min. 55Target Annual Income (Post-Tax)
£Current ISA Balance
£Annual ISA Contributions
£Max. £20kFund 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
- Assumes 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 5% growth rate