DH and I are planning to retire this year at 62/60. We have a pension advisor but the issue is how difficult it is to calculate aspects of what we'll need!
Obviously some things will be the same like council tax and insurances; but gas, electricity, water, and FOOD are hard to calculate with one or other or both or none of our adult DC are at home at any given moment!
Eldest is in FT work but we're still calculating his board; youngest at uni til summer 24.
We've had 3 months being offspring free in the last year, but both are currently here!
Hard to calculate!