UK pension tools, all in one place.

Estimate how much pension fees could cost over 10, 20, or 30 years under your chosen growth assumptions.

NEST charges 1.8% on every contribution plus 0.3% AMC. Find out what that costs you in pounds.

Estimate the fee saving from consolidating old pots into one provider, with key caveats to check first.

Work out the tax relief on your contributions, including higher-rate relief most people forget to claim through self-assessment.

Compare salary sacrifice with relief at source side by side. See what each method does to your take-home pay and your pension pot.

Is your employer paying the legal minimum into your pension? Enter your salary and find out.

Project how your pension could grow with regular contributions and compound returns. See the impact of contributing more.

How long will your pot last in retirement? Includes the 4% rule, depletion warnings, and state pension bridge analysis.

Reverse-engineer your target retirement income into the pot size and contribution rate you need today.

Enter your date of birth and see exactly when you can claim your state pension under current rules.

How much do you need to retire before state pension age? Calculate the pot required to bridge the gap.

Check pension contributions against the £60,000 annual allowance, MPAA and tapered allowance rules.

Plain-English projection across all three NHS scheme sections — 1995, 2008, and 2015 — with McCloud remedy notice for legacy members.

Projection across all three TPS sections — pre-2007, 2007, and 2015 CARE — with McCloud remedy notice.

Local Government Pension Scheme projection covering pre-2008, 2008, and 2014 CARE sections — with underpin notice.

Projection across alpha, classic, and premium civil service schemes — the most generous CARE accrual rate in the UK public sector.

How much state pension will you get? Project your weekly and annual amount based on your National Insurance qualifying years.

Estimate the cost, extra State Pension and simple payback period for buying missing National Insurance years.

How much tax will you pay on a pension withdrawal? See the 25% tax-free portion, marginal tax bands, and net amount received.

Have you triggered the Money Purchase Annual Allowance? See how flexible access reduces your allowance from £60,000 to £10,000.

Estimate unused annual allowance from the last three tax years, subject to earnings and scheme-membership rules.

What tax will you pay in retirement? See total tax across state pension, private drawdown, and other income sources.

Model inherited pension tax outcomes using the age-75 income-tax boundary and 2027 IHT reform assumptions.

What income could your pension pot buy? See illustrative annuity rates for single life, joint life, and inflation-linked options.

How much can sole traders and freelancers contribute to a SIPP? See tax relief, projected pot, and what different contribution rates produce.

How tax-efficient are employer pension contributions through your limited company? Compare pension vs salary vs dividends.

Model the effective marginal rate created by the personal allowance taper between £100k and £125,140.

Reduce or eliminate the High Income Child Benefit Charge with pension contributions. See how much child benefit you can restore.

Estimate your retirement readiness in 30 seconds. Four questions, one broad score, and the assumptions behind it.

Estimate a FIRE number and projected years to financial independence using your savings and return assumptions.

When can you stop saving and let compound growth do the rest? Calculate your Coast FIRE number.

Will you reach a minimum, moderate, or comfortable retirement? See where you stand against the PLSA benchmarks.

Which grows your money better — pension or ISA? Compare outcomes accounting for tax relief, growth, and withdrawal tax.