Retirement planning calculator
- How much you get in retirement depends on lots of things.
- Explore what the ‘What ifs?’ could mean for your future retirement income with the free Just app.

Explore the 'What ifs?'
Start by giving us some info about your income, pension and savings.
Understand how the ‘What ifs?’ could change your future retirement income.
Phase out of work gradually
Change your work/life balance and adopt a semi-retired lifestyle by reducing your working days at a pace that works for you.
Retire earlier or later
Take control of your timeline. Stop work sooner, or keep going a bit longer. See how different retirement ages could work for you.
Put a bit more aside
See how upping your monthly contributions could give your retirement income a boost, to create more opportunities for the things you love later.
Take some money as a tax-free lump sum
See how taking tax-free cash from your pension, whether it’s for a dream holiday, home upgrade or setting up a side-hustle, could impact your retirement income.

All things retirement, one simple app
Planning for retirement isn’t just about checking your pension balance every once in a while. It’s about making sure you get what you want from the next phase of your life. The Just app is designed to make it easier than ever to live your best retirement.
Tailored content
Choose the content that will help you most. Focus on the money side of things or explore all the other aspects of retirement, from phasing out of work to staying healthy.

Articles, videos, guides
The ‘R’ word doesn’t have to be daunting. Our app is full of bite-sized articles, tips and tools to help you navigate everything from pensions and tax to relationships and wellbeing, with real-life stories from those who’ve been there.

'What if?' retirement planning tool
Use our ‘What if?’ tool to work out how much you might need to fund the retirement you want. What if:
- you save more?
- retire earlier?
- work less, or more?
Figure it out, in a few simple steps.

People who tested the Just app said...
'It's a great tool to arm yourself with the knowledge and confidence to financially plan for retirement.'
Kev M
'It felt like everything I needed to know, and aimed exactly at my areas of interest. I liked the range of people and stories featured. I found them all really relatable.'
Lia L
'It shows me exactly how to retire... a whole new life out there... I won't have to Google or look for another app because it has so much information about everything.'
Mohammed N
Brought to you by Just Group
We're experienced
We've been helping people on their retirement journeys for almost 30 years.
We're established
We're a FTSE 250 company with a track record of award-winning service.
We're trusted
We’ve helped over 700,000 people with their retirement needs.
Our customers trust us with £27 billion of their pension savings.