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.
đź’ŽUnderstanding 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.
đź“ŠHow 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.
Your Pension Journey
A typical pension planning path involves several key milestones. Use our calculators to track your progress at each stage.
Calculate Your Tax-Free Lump Sum
Work out how much tax-free cash you can take from your pension and understand how it affects your remaining pension pot.
Compare Withdrawal Strategies
Model different ways to access your pension—Flexible Access Drawdown, UFPLS, or Annuity—to find the best approach for your needs.
Check Your State Pension
Understand your State Pension entitlement, identify any gaps in your National Insurance record, and see how it fits with your private pensions.
Optimise Your Pension Mix
Model how defined benefit and defined contribution pensions work together, and plan your contributions to maximise tax efficiency.
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.
25% Tax-Free Lump Sum Calculator
Calculate how much tax-free cash you can take from your pension and see how it affects your remaining pension pot and future income.
FAD vs UFPLS vs Annuity Comparison Tool
Compare Flexible Access Drawdown, Uncrystallised Funds Pension Lump Sum, and Annuity options to find the best withdrawal strategy for your needs.
State Pension Gap Calculator
Check your State Pension forecast, identify gaps in your National Insurance record, and see how much you need to contribute to get the full amount.
Hybrid Pension (DB + DC) Retirement Calculator
Model how defined benefit and defined contribution pensions work together to provide your retirement income, accounting for different access ages and tax treatment.
Minimum Pension Retirement Calculator
Work out the minimum pension pot you need to retire, accounting for State Pension, tax-free lump sum, and realistic withdrawal rates for UK retirees.
Pension Annual Allowance Calculator
Calculate how much you can contribute to your pension each year while maximizing tax relief, including tapered and money purchase annual allowances.
Getting Started with Pensions
New to pension planning? Follow this step-by-step guide to start optimizing your pension strategy.
- Check your State Pension – See your forecast and identify any gaps in your National Insurance record that need filling.
- Calculate your tax-free lump sum – Work out how much cash you can take tax-free and how it affects your remaining pension.
- Compare withdrawal strategies – Use the FAD vs UFPLS vs Annuity Comparison Tool to find the best way to access your pension.
- Model your pension mix – If you have both DB and DC pensions, use the Hybrid Pension Calculator to see how they work together.
- Optimise contributions – Use the Pension Annual Allowance Calculator to maximise tax relief while staying within limits.
- Refine your plan – Use other calculators to model tax optimisation, withdrawal strategies, and how pensions fit with ISAs and other investments.
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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Firefighters Pension (1992/2006/2015) Retirement CalculatorÂ
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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High Income Child Benefit Charge (HICBC) Calculator
What is the High Income Child Benefit Charge (HICBC) Calculator? The High Income Child Benefit Charge Calculator helps UK families understand how much Child Benefit they may have to repay when household income exceeds the HICBC threshold. It shows who is liable, how much of the benefit is lost, and…
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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…