United Kingdom
Called “Pensions” in the app
Balances
Workplace pension, SIPP, Personal pension, Stakeholder pension
Income
State Pension, Defined benefit pension
Usual access: 55, or 57 for anyone reaching 55 from April 2028
Pensions by country
Your retirement accounts, wherever they're held
Add 401(k)s and IRAs, RRSPs and LIRAs, super, end-of-service gratuity or UK pensions. Each one knows when it can usually be drawn, so your plan shows the years your other savings need to cover.
Free plan · No card required
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Illustrative example of the add-account step. Access ages are the usual minimums, not advice.
Supported countries
Account types and usual access ages
Your plan's country decides which types are offered first and what the area is called in the app. You can pick another country for any account.
United States
Called “Retirement accounts” in the app
Balances
401(k) and Roth 401(k), 403(b) and 457(b), Traditional and Roth IRA, SEP, SIMPLE and Solo 401(k), Thrift Savings Plan, Inherited IRAs
Income
Social Security, Pensions and annuities
Usual access: 59½. A 457(b) or inherited IRA has no age lock
Canada
Called “Retirement accounts” in the app
Balances
RRSP and group RRSP, RRIF, LIRA and LIF, Defined contribution pension plan, PRPP or VRSP
Income
CPP or QPP, Old Age Security, Defined benefit pension plan
Usual access: No age lock for an RRSP or RRIF. 55 for locked-in plans
Australia
Called “Super” in the app
Balances
Super, Self-managed super fund, Account-based pension
Income
Age Pension, Defined benefit super
Usual access: 60, the preservation age
United Arab Emirates
Called “Retirement savings” in the app
Balances
End-of-service gratuity, Workplace savings scheme, such as DEWS, International pension plan
Income
Government pension for UAE nationals, Annuities
Usual access: The age you expect to leave your employer or take it
Everywhere else
Called “Pensions” in the app
Balances
Workplace pension, Personal pension or retirement account, End-of-service benefit
Income
Government pension, Final salary pension
Usual access: The age you set for each account
Early retirement
The gap before each account unlocks
Retire before an account can be drawn and your other savings have to carry you until it does. Yield Clarity holds each locked account back until its access date, and shows whether the money you can reach lasts that long.
- Accounts with no age lock, such as an RRSP or a 457(b) after you leave, count as available.
- Partners' accounts unlock on their own date of birth in a household plan.
- Government pensions and annuities are recorded as income from their start date.
What it doesn't do
Limitations- No tax calculations
- Withdrawals, Roth and traditional accounts, and pension income are shown before tax.
- No contribution limits
- 401(k), IRA, RRSP, super and pension allowances aren't tracked or checked.
- Usual ages only
- Exceptions such as the Rule of 55 or provincial unlocking aren't applied for you. Set the age on the account.
- Not advice
- Not regulated advice, and not every country's pension or withdrawal rule is modelled.
Questions
Retirement accounts, answered
Which countries have their own account types?
The United Kingdom, the United States, Canada, Australia and the United Arab Emirates. Everywhere else uses general types (workplace pension, personal pension, end-of-service benefit, government pension) with an access age you set.
Can I hold accounts from more than one country?
Yes. Each account records the country it's held in, so a UK plan can include a US 401(k) and a UAE gratuity. Each keeps its own currency and access rule, and converts into your plan's currency for totals.
Multi-currency planningWhat if my plan can be accessed earlier or later than the usual age?
Set an access age or date on that account. Plans differ: some US employer plans allow withdrawals from 55 after leaving the job, locked-in Canadian plans follow provincial rules, and some people keep a protected UK pension age. The usual age is only the starting point.
Does Yield Clarity calculate tax on withdrawals?
No. Traditional and Roth accounts, RRSP withdrawals and pension income are all shown before tax. Use spending and return figures that reflect your own situation.
Add your accounts and see your date
Choose where you live, add your retirement accounts and investments, and see an estimated date for financial independence.
Free plan · No card required