MyWealthVault

Know Your Number

What would it take for work to become a choice, not a necessity? A quick illustration in today’s money — designed to start a useful conversation.

For educational purposes only — not personal financial advice

1. The life you want

What would you like to have available to spend each month?

Think about a comfortable life in today’s money, not just your minimum bills.

Your age

Age you’d like work to become optional

2. What will already be working for you?

Current pensions + investments

Exclude your main home unless you genuinely plan to use its value.

How much are you currently adding each month?

Include regular pension and investment contributions — employer pension contributions too, if you want them reflected.

Reliable annual income from your target age

For example, rental income or a pension already payable.

Reliable annual income that starts later

For example, State Pension or a DB/final salary pension.

Age that later income starts

Adjust assumptions

Illustrative withdrawal rate

Lower = more cautious / higher capital target.

Illustrative real growth before target

Growth after inflation, net of nothing else.

IMPORTANT: This is an educational illustration, not a recommendation or personal financial advice. Real planning needs to consider tax, charges, investment risk, inflation, life expectancy, changing spending, pensions, sequencing risk and your wider circumstances. The assumptions used here can materially change the result, and the output is neither guaranteed nor precise.

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