UK pension tools, all in one place.
Find a calculator for your income, contributions, pension scheme or retirement plans. Free to use, with no account required.
Fees
Pension fee impact calculator
Estimate how much pension fees could cost over 10, 20, or 30 years under your chosen growth assumptions.
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 old pots into one provider, with key caveats to check first.
Contributions
Junior SIPP calculator
See how payments into a child’s pension could grow, and compare stopping at different ages.
Pension tax relief calculator
See how much goes into your pension and what it costs you after tax relief. Compare bank payments, payroll and salary sacrifice.
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 qualifying earnings calculator
Calculate qualifying earnings, the 8% total minimum, and the 3% employer floor for workplace pensions.
Retirement
Pension calculator — growth and contributions
See what your pension could grow to, or work out monthly contributions for a target pot.
Pension drawdown calculator
Explore how long your pension could last with a chosen monthly income, and compare withdrawals that rise each year.
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 take-home pay calculator
See your monthly NHS take-home pay and how changing your weekly hours could affect it. England Agenda for Change.
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.
Armed Forces pension calculator
AFPS 15 estimator for Regular service, including CARE pension build-up and indicative Early Departure Payment figures.
State pension
State Pension payment calendar
Find your next State Pension payment dates and add them to your calendar, including bank-holiday adjustments.
Pension Credit claim checklist
Prepare records and print a checklist before using the official calculator or claim service.
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
Estimate the cost, extra State Pension and simple payback period for buying missing National Insurance 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
Estimate unused annual allowance from the last three tax years, subject to earnings and scheme-membership rules.
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
Retirement planning
Am I on track to retire?
Estimate your retirement readiness in 30 seconds. Four questions, one broad score, and the assumptions behind it.
FIRE calculator UK
Estimate a FIRE number and projected years to financial independence using your savings and return assumptions.
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.