Pension Calculators
Plan your pension strategy with UK-focused tools. Model SIPPs, workplace pensions, tax-free lump sums and withdrawal strategies to optimise your retirement income.
💎Understanding UK Pensions
UK pensions come in many forms: State Pension, workplace defined benefit schemes, defined contribution pensions, and SIPPs. Each has different rules around contributions, tax relief, access age and withdrawal options. These calculators help you navigate the complexity.
📊How these calculators help
Our pension calculators model UK tax rules, contribution limits, tax-free lump sums, and withdrawal strategies. They help you understand when you can access your pension, how much tax you’ll pay, and how to optimise your pension strategy alongside ISAs and other investments.
Start with these popular calculators
These six tools are the best starting point for understanding your pension options. They help you calculate tax-free lump sums, compare withdrawal strategies, and optimise your pension contributions.
State Pension Gap Calculator
See how many qualifying years you have, and what a gap does to the full new State Pension.
25% Tax-Free Lump Sum Calculator
How much tax-free cash you can take under the Lump Sum Allowance, and what it does to the rest of the pot.
FAD vs UFPLS vs Annuity Comparison Tool
Three ways to take a defined contribution pension. Pick the one you can actually live with.
Pension Tax Relief Calculator
Relief at source, net pay or salary sacrifice. Same contribution, different cost.
Salary Sacrifice Pension Calculator
What you and your employer save when pension comes out before tax and NI.
Hybrid Pension (DB + DC) Retirement Calculator
Defined benefit plus a pot. Model them together, not as two separate retirements.
All Pension calculators
Browse all pension calculators. These tools help you understand UK pension rules, calculate tax-free lump sums, compare withdrawal strategies, and optimise your pension contributions alongside other investments.
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Pension vs ISA Withdrawal Calculator (UK)
See how much of an extra amount you keep in retirement after income tax and the Winter Fuel Payment, and which pot to take it from.
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Triple Lock Change Calculator (UK)
See how much less State Pension you could get if the triple lock changes in April 2030, and what it would cost to save for the difference.
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State Pension Deferral Calculator (UK)
What is the State Pension Deferral Calculator? The State Pension Deferral Calculator helps you explore what happens if you delay claiming your State Pension. Instead of taking the pension as soon as you reach State Pension age, you can leave it unclaimed for a period. Depending on the rules that…
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Annuity Rates Today Calculator (UK)
What is the Annuity Rates Today Calculator? The Annuity Rates Today Calculator gives a model estimate of what open-market annuity rates could pay you this week, and what each type of annuity does to your starting income. An annuity swaps some or all of your pension pot for a guaranteed…
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Retirement Tax Planning Calculator (UK)
What is the Retirement Tax Planning Calculator? The Retirement Tax Planning Calculator helps you see how mixing different pots can change the tax you pay once you start drawing. State Pension and a final-salary pension already use your tax-free allowance. The usual 25% tax-free share of a pension pot, money…
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Emergency Tax Calculator (UK)
What is the Emergency Tax Calculator? The Emergency Tax Calculator is a simple tool that shows the impact of emergency tax on a first pension withdrawal. When a provider has no tax code for you, they often tax that payment as if it were one month of a repeating salary.…
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TFLS Optimiser Calculator (UK)
What is the Tax-Free Lump Sum Optimiser? The Tax-Free Lump Sum Optimiser compares when you could take your pension tax-free lump sum, often shortened to TFLS. It tests taking the TFLS at the earliest available age, waiting until retirement, or taking it in stages. It then ranks the strategies based…
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MPAA Calculator (UK)
What is the MPAA Calculator? The MPAA Calculator helps you check whether money paid into your workplace or personal pension pots may sit inside or above the lower yearly limit that can apply after taxable pension access. MPAA stands for Money Purchase Annual Allowance. In simple terms, if you have…
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Pension Inheritance Tax 2027 Calculator (UK)
What is the Pension Inheritance Tax Calculator 2027? The Pension Inheritance Tax Calculator 2027 helps you understand how unused pension wealth may be treated for Inheritance Tax from 6 April 2027. It compares today’s position with the 2027 rules, where most unused pension funds and pension death benefits are expected…
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Salary Sacrifice Pension Calculator (UK)
What is the Salary Sacrifice Pension Calculator? The Salary Sacrifice Pension Calculator helps you estimate how much extra pension sacrifice could cost from take-home pay, how much extra could reach your pension, and whether it could bring your retirement target closer. It is designed for UK employees who are thinking…
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Pension Drawdown Tax Calculator (UK)
What is the Pension Drawdown Tax Calculator? The Pension Drawdown Tax Calculator helps you estimate how pension withdrawals may translate into taxable income, net income, and remaining pot value during retirement. It is designed for people already retired or already drawing from a pension, especially those using flexi-access drawdown or…
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State Pension NI Top-Up Breakeven Calculator (UK)
What is the State Pension NI Top-Up Breakeven Calculator? The State Pension NI Top-Up Breakeven Calculator helps you explore whether paying for missing National Insurance years could increase your State Pension enough to justify the upfront cost. It is designed for people considering voluntary Class 3 NI contributions and wanting…
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Pension Tax Relief Calculator (UK)
What is the Pension Tax Relief Calculator? The Pension Tax Relief Calculator helps you compare the real cost and long-term impact of the three main ways to contribute to a pension: Relief at Source, Net Pay, and Salary Sacrifice. It takes what is often a confusing tax topic and turns…
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GIA vs ISA vs Pension Comparison Calculator (UK)
What is the GIA vs ISA vs Pension Comparison Calculator? The GIA vs ISA vs Pension Comparison Calculator helps you compare three common UK investment wrappers using the same annual saving habit: a general investment account, a Stocks & Shares ISA, and a pension. It is designed to show how…
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DB Pension CETV Transfer vs Stay Simulator (UK)
What is the DB Pension CETV Transfer vs Stay Simulator? The DB Pension CETV Transfer vs Stay Simulator helps you compare two possible retirement paths in the UK: keeping your defined benefit pension as scheme income, or transferring its cash equivalent transfer value into a personal pension pot and drawing…
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Retirement Savings Catch-Up Calculator (UK)
What is the Retirement Savings Catch-Up Calculator? The Retirement Savings Catch-Up Calculator helps you work out how much you need to save each month to reach your retirement target if you’re behind. You enter your current holdings in the Investments section (Pension, GIA, ISA) and your goal (target pot or…
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Pension Drawdown vs Annuity Calculator (UK)
What is the Pension Drawdown vs Annuity Calculator? The Pension Drawdown vs Annuity Calculator helps you compare two main retirement income options: buying an annuity (guaranteed income for life) or using pension drawdown (flexible withdrawals from your pot). It shows annual income, cumulative totals, break-even analysis, and year-by-year projections so…
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SIPP Contribution Calculator (UK)
What is the SIPP Contribution Calculator? The SIPP Contribution Calculator helps you calculate your Self-Invested Personal Pension (SIPP) contributions and optimise your tax relief. It shows how much tax relief you’ll receive, tracks your annual allowance usage (£60,000), and projects your pot growth to retirement. The calculator accounts for basic…
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Retirement Income Replacement Ratio Calculator (UK)
What is the Retirement Income Replacement Ratio Calculator? The Retirement Income Replacement Ratio Calculator helps you determine what percentage of your pre-retirement income you’ll need in retirement. The replacement ratio shows how much of your working income you need to replace to maintain your lifestyle. UK average replacement ratios are…
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Retirement Withdrawal Strategy Calculator (UK)
What is the Retirement Withdrawal Strategy Calculator? The Retirement Withdrawal Strategy Calculator helps you plan the optimal withdrawal sequence from your different retirement account types (ISAs, pensions, taxable accounts) to minimise tax and maximise efficiency. It shows you exactly how much to withdraw from each account type to meet your…
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Workplace Pension Contribution Calculator (UK)
What is the Workplace Pension Contribution Calculator? The Workplace Pension Contribution Calculator helps you understand your workplace pension contributions, including how much you and your employer pay, tax relief, and National Insurance savings from salary sacrifice. It shows your net cost after all benefits and whether you meet the UK…
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Retirement Income Calculator (UK)
What is the Retirement Income Calculator? The Retirement Income Calculator aggregates all your retirement income sources to show your total income, tax position, and net income after tax. It helps you understand how much you’ll have to live on in retirement from State Pension, pensions, annuities, ISAs, and other sources.…
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Pension Account Growth Calculator (UK)
What is the Pension Account Growth Calculator? The Pension Account Growth Calculator projects how your UK pension pot will grow over time from today until you stop contributing. It models your contributions, employer matching, tax relief, investment returns, and fees to show your projected pot size at retirement. How the…
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Hybrid Pension (DB + DC) Retirement Calculator (UK)
What is the Hybrid Pension (DB + DC) Retirement Calculator? The Hybrid Pension (DB + DC) Retirement Calculator helps you plan retirement when your income comes from a mix of guaranteed Defined Benefit pensions and flexible Defined Contribution savings. It shows how these sources work together alongside ISAs, other investments…
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Pension vs ISA Comparison Calculator (UK)
What is the Pension vs ISA Comparison Calculator? The Pension vs ISA Comparison Calculator helps UK savers compare the long-term outcomes of investing through a pension versus an ISA. It shows how tax relief, growth, withdrawals and access rules affect how much money you can actually spend in retirement. How…
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Self Employed Retirement Calculator (UK)
What is the Self-Employed Retirement Calculator? The Self-Employed Retirement Calculator helps UK self-employed individuals understand how their business structure affects both day-to-day tax and long-term retirement outcomes. It compares operating as a sole trader versus a limited company and models how each structure supports a sustainable Bridge to Retirement. How…
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State Pension Forecast Calculator
What is the State Pension Forecast Calculator? The State Pension Forecast Calculator helps you estimate when you are likely to receive the UK State Pension and how much it could be worth over time. It projects future payments using triple lock assumptions and shows how changes to State Pension Age…
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Minimum Pension Retirement Calculator (UK)
What is the Minimum Retirement Pension Calculator? The Minimum Retirement Pension Calculator helps you work out the smallest pension pot you need at pension access age to fund your retirement through to later life. It focuses on minimum viability rather than ideal outcomes, showing what is required to meet your…
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Firefighters Pension (1992/2006/2015) Retirement Calculator
What is the Firefighters Pension Retirement Calculator? The Firefighters Pension Retirement Calculator helps UK firefighters understand how their pension fits into their wider retirement plan. It models Firefighters’ Pension Schemes alongside personal savings, investments and the State Pension to show whether your retirement income is sustainable over time, all in…
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Police Pension 1987/2006/2015 Retirement Calculator
What is the Police Pension Retirement Calculator? The Police Pension Retirement Calculator helps serving officers and retired police staff understand how their police pension fits into their wider retirement plan. It models the Police Pension Schemes alongside personal savings, investments and the State Pension to show whether your retirement income…
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Public Pension Comparison by Country Calculator
What is the Public Pension Comparison by Country Calculator? The Public Pension Comparison by Country Calculator helps compare how public pension systems typically perform across different countries, using the UK State Pension as a baseline. It provides an illustrative, side-by-side view of how various systems compare in terms of retirement…
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Civil Service Pension Retirement Calculator
What is the Civil Service Pension Calculator? The Civil Service Pension Calculator helps UK civil servants understand how their pension fits into their wider retirement plan. Unlike standard pension calculators that focus only on the scheme itself, this tool models your Civil Service pension alongside the State Pension, personal savings…
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Teacher Pension Scheme (TPS) Retirement Calculator
What is the Teacher Pension Scheme (TPS) Retirement Calculator? The Teacher Pension Scheme Retirement Calculator helps UK teachers understand whether they can afford to retire and how their income will be funded throughout retirement. It models the TPS alongside the State Pension, personal savings and other income to give a…
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Armed Forces (AFPS 75, AFPS 05, AFPS 15) Pension Calculator
What is the Armed Forces Pension Calculator? The Armed Forces Pension Calculator helps serving personnel, veterans and early service leavers understand how their Armed Forces pension works and how it supports retirement income. It models pension entitlement under AFPS 75, AFPS 05 and AFPS 15, shows when payments start, and…
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NHS Pension Early Retirement Reduction Calculator
What is the NHS Pension Early Retirement Reduction Calculator? The NHS Pension Early Retirement Calculator helps you understand how taking your NHS pension before your Normal Pension Age could permanently reduce your income. By modelling your scheme type, retirement age and expected pension, it shows how early retirement affects both…
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25% Tax Free Lump Sum Calculator
What is the Tax Free Lump Sum Calculator? The 25% Tax Free Lump Sum Calculator helps you estimate how much tax-free cash you can take from your UK pension under current Lump Sum Allowance rules. It shows the maximum available 25 per cent, how much of your allowance you have…
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FAD vs UFPLS vs Annuity Comparison Tool
What is the FAD vs UFPLS vs Annuity Comparison Calculator? The FAD vs UFPLS vs Annuity Comparison Tool helps you understand how three common UK pension withdrawal methods compare. By modelling your pension pot, tax position and withdrawal choices, it shows how income, tax and remaining pot value differ under…
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Pension Carry Forward & Annual Allowance Calculator (UK Specific)
What is the Pension Carry Forward & Annual Allowance Calculator? The Pension Carry Forward & Annual Allowance Calculator helps you understand how much you can contribute to your pension today by combining your annual allowance with any unused allowances from the previous three tax years. It shows your total available…
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State Pension Gap Calculator
What is the State Pension Gap Calculator? The State Pension Gap Calculator shows you how many National Insurance years you currently have, how many you’ll have by State Pension age, and whether you are on track for the full new State Pension. It highlights any shortfall, shows the pro-rata amount…
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Retirement Drawdown Planner (UK)
Have you planned how you will draw down your money in retirement? The Retirement Drawdown Planner helps you model how your cash, pensions, ISAs and investments can support you throughout retirement. It shows how long your money can last based on your spending, income sources, real returns and the order…
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Bridge to Retirement Calculator (UK)
How much money do you need to bridge to retirement? Discover how our interactive tool can help you map out exactly how long your savings will last and how much you need to earn to get to retirement. This is specific to the UK market. How the Calculator Works? Understand…