The most a pot and savings can pay every year, rising with inflation, to the horizon age — the plan's answer, not a rule of thumb.
What you enter: age at retirement · pension pot · cash and isas · growth % a year · state pension a year · plan to age.
How it is worked out. The highest after-tax income, rising with inflation, that leaves no year short to the horizon — found by search over the full projection.
Not advice. Money Horizon is a planning indicator built on simplified rules. It does not know your full circumstances, cannot replace a regulated adviser, and its figures should not be relied on for any decision. It is not financial advice. Nothing you enter leaves your browser. Calculators use the 2026-27 rules; figures are estimates.