UK pension tools, all in one place.
Every calculator on Pension Bible is free, ad-light, and built on the current 2025/26 UK tax bands. No sign-up. No data collection. Just maths.
Fees
Pension fee impact calculator
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 fee calculator
NEST charges 1.8% on every contribution plus 0.3% AMC. Find out what that costs you in pounds.
Pension consolidation calculator
Estimate the fee saving from consolidating your old pots into one provider. Includes the catches you should think about first.
Contributions
Pension tax relief calculator
Work out the tax relief on your contributions, including higher-rate relief most people forget to claim through self-assessment.
Salary sacrifice calculator
Compare salary sacrifice with relief at source side by side. See what each method does to your take-home pay and your pension pot.
Auto-enrolment minimum checker
Is your employer paying the legal minimum into your pension? Enter your salary and find out.
Retirement
Pension growth calculator
Project how your pension could grow with regular contributions and compound returns. See the impact of contributing more.
Pension drawdown calculator
How long will your pot last in retirement? Includes the 4% rule, depletion warnings, and state pension bridge analysis.
How much pension do I need?
Reverse-engineer your target retirement income into the pot size and contribution rate you need today.
State pension age calculator
Enter your date of birth and see exactly when you can claim your state pension under current rules.
Bridging pension calculator
How much do you need to retire before state pension age? Calculate the pot required to bridge the gap.
Allowances
Public sector pensions
NHS pension calculator
Plain-English projection across all three NHS scheme sections — 1995, 2008, and 2015 — with McCloud remedy notice for legacy members.
Teachers pension calculator (TPS)
Projection across all three TPS sections — pre-2007, 2007, and 2015 CARE — with McCloud remedy notice.
LGPS calculator
Local Government Pension Scheme projection covering pre-2008, 2008, and 2014 CARE sections — with underpin notice.
Civil service pension calculator
Projection across alpha, classic, and premium civil service schemes — the most generous CARE accrual rate in the UK public sector.
State pension
State pension forecast calculator
How much state pension will you get? Project your weekly and annual amount based on your National Insurance qualifying years.
NI gap top-up calculator
Is buying missing NI years worth it? See the cost, the extra pension gained, and the payback period — usually under 3 years.
Pension tax & withdrawals
Pension lump sum tax calculator
How much tax will you pay on a pension withdrawal? See the 25% tax-free portion, marginal tax bands, and net amount received.
MPAA calculator
Have you triggered the Money Purchase Annual Allowance? See how flexible access reduces your allowance from £60,000 to £10,000.
Carry forward calculator
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.
Income tax in retirement calculator
What tax will you pay in retirement? See total tax across state pension, private drawdown, and other income sources.
Inheritance & death benefits
Annuities
Self-employed & directors
Self-employed pension calculator
How much can sole traders and freelancers contribute to a SIPP? See tax relief, projected pot, and what different contribution rates produce.
Director's pension contribution calculator
How tax-efficient are employer pension contributions through your limited company? Compare pension vs salary vs dividends.
High earner tax traps
60% tax trap calculator
The hidden 60% marginal rate between £100k and £125k. See how pension contributions can eliminate the personal allowance taper.
HICBC pension calculator
Reduce or eliminate the High Income Child Benefit Charge with pension contributions. See how much child benefit you can restore.
Retirement planning
Am I on track to retire?
Your retirement readiness score in 30 seconds. Four questions, one number that tells you where you stand — and what would fix the gap.
FIRE calculator UK
When can you achieve Financial Independence and Retire Early? Calculate your FIRE number and years to freedom.
Coast FIRE calculator
When can you stop saving and let compound growth do the rest? Calculate your Coast FIRE number.
PLSA retirement standards calculator
Will you reach a minimum, moderate, or comfortable retirement? See where you stand against the PLSA benchmarks.