UK pension tools, all in one place.

See exactly how much your fees will cost you over 10, 20, or 30 years. The single most eye-opening number in personal finance.

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 your old pots into one provider. Includes the catches you should think about 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.

Are you over the £60,000 annual allowance — or worse, the tapered allowance for high earners? Find out before HMRC does.

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.

Is buying missing NI years worth it? See the cost, the extra pension gained, and the payback period — usually under 3 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.

How much unused annual allowance can you carry forward from the last 3 years? Many high earners can contribute £180,000+ in a single year.

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

What happens to your pension when you die? See the critical age-75 boundary — tax-free before, income tax after.

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.

The hidden 60% marginal rate between £100k and £125k. See how pension contributions can eliminate the personal allowance taper.

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

Your retirement readiness score in 30 seconds. Four questions, one number that tells you where you stand — and what would fix the gap.

When can you achieve Financial Independence and Retire Early? Calculate your FIRE number and years to freedom.

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.