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Recent Posts

January 2026 update

Switching things up slightly from this month going forwards, nothing major, don't worry. I'm just swapping around the finance and non-finance update. Over the past couple of years, as my numbers have compounded the numbers have mattered less and the lifestyle has risen to a priority. 2 months off work, again! Regular readers will know that I took 8 weeks Unpaid Parental Leave in 2025, taking off pretty much all of the school holidays to spend time with my kids. In January I've submitted the same again, and just had it approved (not that they can't not approve it, they can delay it under extreme circumstances but can't turn it down outright - see more in a previous post of mine here ). Lots of plans this year, so far we have booked a 2 week driving holiday in the French Alps, a long weekend in Salzburg, a biking holiday and Efterling in the Netherlands as well as a few days in Wales and the Peak District. Snowy Scarborough We had a night booked in Scarborough right a...
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'Lumpy' Pension Calculator

Here's a calculator I made a while back, mainly out of frustration that the vast vast majority of online pension calculators made some huge assumptions. Namely, that you will carry on working until at least your private pension age, and that your contributions will be exactly the same each year, or at least that they will increase with inflation.

https://docs.google.com/spreadsheets/d/1iltETWM5FcgGA_TIOTcurNqdBoqAkh4y/edit?usp=sharing&ouid=113724788594386554052&rtpof=true&sd=true

So, here it is, the 'lumpy' Pension Calculator. Which lets you input a custom amount each year, to see what effect 'front loading' your pension will have. Spoiler alert...it's pretty good!!

How to use:

  1. Click on the link and download a copy for yourself (that way it avoid people inputting amounts into the online template!)
  2. Input your age, current pension pot and what returns you think you'll get on average
  3. Have a mess around with some annual pension contributions in Column B. Maybe deposit more earlier on, and then dial it back to the company match
  4. Column A will highlight when you have reached age 57. This is the current private pension age and will apply to most people, although always worth checking to make sure!!!
Note: The 'salary' box is just there for reference, it doesn't change any of the calculations



Any questions just let me know!

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