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)
Compare claiming your State Pension straight away with waiting, and see when waiting pays back.
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Annuity Rates Today Calculator (UK)
Compare level, rising and joint annuities side by side.
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Retirement Tax Planning Calculator (UK)
See how mixing pensions, ISAs and other pots can change take-home, tax and leftover pots over five years.
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Emergency Tax Calculator (UK)
See the impact of emergency tax on a first pension withdrawal, and how much of the extra may come back.
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TFLS Optimiser Calculator (UK)
Compare taking your pension tax-free lump sum at the earliest age, at retirement or in stages.
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MPAA Calculator (UK)
Check whether money paid into your workplace or personal pension pots may sit inside or above the lower £10,000 yearly limit.
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Pension Inheritance Tax 2027 Calculator (UK)
Compare how unused pension wealth may be treated for Inheritance Tax today and from 6 April 2027.
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Salary Sacrifice Pension Calculator (UK)
Estimate how much extra salary sacrifice could cost from take-home pay, and how much extra could reach your pension.
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Pension Drawdown Tax Calculator (UK)
See how pension withdrawals may translate into taxable income, net income, and remaining value during retirement.
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State Pension NI Top-Up Breakeven Calculator (UK)
Explore whether paying for missing National Insurance years could increase your State Pension.
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Pension Tax Relief Calculator (UK)
Compare the real cost and long-term impact of the three main ways to contribute to a pension.
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GIA vs ISA vs Pension Comparison Calculator (UK)
Compare three common UK investment wrappers using the same annual saving habit.
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DB Pension CETV Transfer vs Stay Simulator (UK)
Compare two retirement paths: keeping your defined benefit (DB) pension or transferring out.
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Retirement Savings Catch-Up Calculator (UK)
Work out how much you need to save each month to reach your retirement target if you’re behind.
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Pension Drawdown vs Annuity Calculator (UK)
Compare two main retirement income options: buying an annuity or using pension drawdown.
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SIPP Contribution Calculator (UK)
Calculate your Self-Invested Personal Pension (SIPP) contributions and optimise your tax relief.
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Retirement Income Replacement Ratio Calculator (UK)
Determine what percentage of your pre-retirement income you’ll need in retirement.
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Retirement Withdrawal Strategy Calculator (UK)
Plan the optimal withdrawal sequence from your different retirement account types.
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Workplace Pension Contribution Calculator (UK)
Understand your workplace pension contributions, including how much you and your employer pay and more.
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Retirement Income Calculator (UK)
Add up all your retirement income sources to see your total income, tax position and net income after tax.
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Pension Account Growth Calculator (UK)
Project how your pension pot could grow from today until you stop contributing.
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Hybrid Pension (DB + DC) Retirement Calculator (UK)
Plan retirement when your income comes from a mix of pension schemes.
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Pension vs ISA Comparison Calculator (UK)
Compare the long-term outcomes of investing through a pension versus an ISA.
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Self Employed Retirement Calculator (UK)
See how your business structure affects both day-to-day tax and retirement if you are self-employed.
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State Pension Forecast Calculator
Estimate when you are likely to receive the UK State Pension and how much it could be worth over time.
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Minimum Pension Retirement Calculator (UK)
Work out the smallest pension pot you need at pension access age to fund your retirement through to later life.
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Firefighters Pension (1992/2006/2015) Retirement Calculator
Understand how your firefighters’ pension fits into your wider retirement plan.
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Police Pension 1987/2006/2015 Retirement Calculator
Understand how your police pension fits into your wider retirement plan.
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Public Pension Comparison by Country Calculator
Compare how public pension systems typically perform across different countries.
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Civil Service Pension Retirement Calculator
Understand how your Civil Service pension fits into your wider retirement plan.
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Teacher Pension Scheme (TPS) Retirement Calculator
Understand whether you can afford to retire as a teacher, and how your income will be funded throughout retirement.
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Armed Forces (AFPS 75, AFPS 05, AFPS 15) Pension Calculator
Understand how your Armed Forces pension works and how it supports your retirement income.
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NHS Pension Early Retirement Reduction Calculator
Understand how taking your NHS pension before your Normal Pension Age could permanently reduce your income.
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25% 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.
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FAD vs UFPLS vs Annuity Comparison Tool
Understand how three common UK pension withdrawal methods compare.
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Pension Carry Forward & Annual Allowance Calculator (UK Specific)
See how much you can pay into your pension this year, including unused allowance from the previous three tax years.
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State Pension Gap Calculator
See 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.
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Retirement Drawdown Planner (UK)
The Retirement Drawdown Planner helps you model how your cash, pensions, ISAs and investments can support you throughout retirement.
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Bridge to Retirement Calculator (UK)
Work out how much you need to bridge the years between stopping work and your pensions starting, and how long your savings will last.