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Pensions & Retirement Calculators

16 free calculators · Updated for 2025/26

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Workplace Pension Calculator

Calculate your workplace pension contributions and projected pot at retirement under auto-enrolment.

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State Pension Calculator

2025-26

Estimate your UK State Pension based on your National Insurance record. Full new State Pension is £230.25 per week.

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Pension Drawdown Calculator

Calculate how long your pension pot will last with drawdown. See year-by-year projections with growth.

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State Pension Age Calculator

Find your State Pension age based on date of birth. See exact date and days remaining.

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How Much Pension Do I Need?

Calculate the pension pot needed for your target retirement income using drawdown, 4% rule or annuity.

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Pension Tax Relief Calculator

Calculate how much tax relief you get on pension contributions as a basic, higher or additional rate taxpayer.

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Annuity Calculator — Retirement Income

Estimate annuity income from your pension pot. Compare single and joint life annuity rates by age.

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Pension vs ISA Calculator

Compare pension and ISA over time. See which gives you more after tax relief and withdrawal tax.

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Salary Sacrifice Pension Calculator

Compare salary sacrifice vs relief at source pension contributions. See tax and NI savings.

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Pension Annual Allowance Calculator

2025-26

Check your pension annual allowance (£60K), tapered allowance and MPAA. See if you face a tax charge.

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Teachers' Pension Calculator

Project your Teachers' Pension based on salary, years of service and accrual rate (1/57th career average).

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SIPP Calculator — Self-Invested Pension

Project your Self-Invested Personal Pension with tax relief, employer contributions and growth.

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Pension Consolidation Calculator

Compare keeping multiple pension pots vs consolidating into one. See fee savings over time.

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Employer Pension Contribution Calculator

Calculate auto-enrolment pension contributions on qualifying earnings with tax relief.

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Pension Lump Sum Calculator (PCLS)

Compare taking 0-100% as lump sum. See tax-free portion, tax on excess and remaining pot for drawdown.

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Pension Sharing on Divorce Calculator

Calculate pension division in divorce. Compare sharing orders with different splits.