Pensions & Retirement
- Annuity CalculatorUse our free Annuity Calculator to get an instant estimate.
- Final Salary Pension CalculatorUse our free Final Salary Pension Calculator to get an instant estimate.
- Pension Annual Allowance CalculatorUse our free Pension Annual Allowance Calculator to get an instant estimate for the 2026/27 tax year.
- Pension CalculatorThis pension calculator projects how big your pension pot could grow by the time you retire, based on what you pay in now, what your employer adds, the tax relief on top, and the investment growth you assume along the way. It is built for UK savers paying into a workplace scheme or a personal pension who want a realistic picture rather than a vague hope. Punch in your current pot, monthly contributions and target retirement age, and you will see a projected figure plus the gap between where you are heading and where you want to be.
- Pension Drawdown CalculatorUse our free Pension Drawdown Calculator to get an instant estimate for the 2026/27 tax year.
- Pension Inheritance Tax Calculator (2027)From 6 April 2027 , most unused pension funds are counted as part of your estate for Inheritance Tax. See how much extra IHT your beneficiaries could face once your pension is included - and what it was before.
- Pension Lump Sum Tax CalculatorUse our free Pension Lump Sum Tax Calculator to get an instant estimate for the 2026/27 tax year.
- Pension Tax Relief CalculatorUse our free Pension Tax Relief Calculator to get an instant estimate for the 2026/27 tax year.
- Salary Sacrifice 2029 NI CalculatorFrom April 2029 , pension salary sacrifice above £2,000 a year will be subject to both employee and employer National Insurance. See how much the change will cost on your sacrifice.
- State Pension Age CalculatorUse our free State Pension Age Calculator to get an instant estimate.
- State Pension Forecast CalculatorOur state pension forecast calculator helps you estimate your new State Pension from your National Insurance qualifying years, and see how many more years you need for the full amount. Knowing your forecast early makes it easier to plan your retirement income and decide whether topping up your NI record is worthwhile. Simply enter your qualifying years to see an estimated weekly, monthly and yearly figure, so you can understand where you stand long before you reach State Pension age.
- State Pension Top-Up CalculatorSee whether paying voluntary National Insurance to fill gaps in your record is worth it, including the cost, the extra pension and how long it takes to pay for itself.
Build a retirement you can picture
Pensions are powerful but complex — tax relief on the way in, choices about how you draw an income, and limits to stay within along the way. Our pension and retirement calculators turn that complexity into clear figures so you can see whether you are on track and how small changes today shape your future.
Start with the Pension Calculator or Pension Pot Calculator to project the fund your contributions could build by retirement. The Pension Tax Relief Calculator shows the top-up the government adds to each contribution, which is often larger than savers expect.
Turning your pot into income
When you reach retirement you have choices. The Pension Drawdown Calculator models taking a flexible income while staying invested, the Annuity Calculator estimates a guaranteed income for life, and the Pension Lump Sum Tax Calculator shows the tax on cash you take beyond your tax-free amount.
Higher earners and the self-employed can check limits with the Annual Allowance Calculator and plan personal pots with the SIPP Calculator. If you have a workplace scheme, the Final Salary Pension Calculator values your defined-benefit entitlement. All tools are free and updated for the current tax year.
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