£
Saving Tool UK
Saving ToolAdvanced

You've done the maths. Now get the insights.

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✓Savings, investment & spending insights specific to your situation
✓Pension contribution and projection analysis
✓Short, medium and long-term focus areas
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?Is my emergency fund enough?
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New
With AI Insights
✓Savings, investment & spending insights specific to your situation
✓Pension contribution and projection analysis
✓Short, medium and long-term focus areas
✓Financial Health Scorecard

Discover the financial insights that most people with your income overlook

Get My Insights →
Get My Insights →

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. 55
Target Annual Income (Post-Tax)
£
Current ISA Balance
£
Annual ISA Contributions
£Max. £20k
Expected Investment Growth
% per year
Fund Fees
% per year
Fund Fees Cap
£Max annual fee: £875

Results

Total ContributionsTotal WithdrawalsTotal Fees PaidFinal 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