Pensions & Retirement Calculators
19 free calculators · Updated for 2026/27
Retirement planning is a long series of estimates, and the answers move with every extra year of contributions or every shift in when you stop work. Pension calculators project a workplace pot, value the State Pension against a National Insurance record, and model what taking an income does to the money left behind, which supports decisions about contribution levels, retirement dates and how a pot is drawn.
A projected pot with employer contributions and tax relief included comes out of the Workplace Pension Calculator, and the State Pension Calculator estimates entitlement from your National Insurance record. The State Pension Age Calculator gives the date from a date of birth, the Pension Drawdown Calculator shows how long a pot lasts once income is being taken, and the Pension Lump Sum Calculator (PCLS) compares taking different proportions as cash, with the tax on anything above the tax-free portion.
Workplace Pension Calculator
Free UK workplace pension calculator. See your projected pot at 65, employer contributions, and 20%/40%/45% tax relief. Updated for 2026/27.
State Pension Calculator
2026-27Calculate your UK State Pension entitlement based on your NI record. Full new State Pension is £241.30/week (£12,547.60/year) for 2026/27.
Pension Drawdown Calculator
Calculate how long your pension pot will last with drawdown. See year-by-year projections with growth.
State Pension Age Calculator
Find your State Pension age based on date of birth. See exact date and days remaining.
How Much Pension Do I Need?
Calculate the pension pot needed for your target retirement income using drawdown, 4% rule or annuity.
Pension Emergency Tax Calculator
2026-27See how much emergency Month-1 tax is withheld from your first pension withdrawal, your real tax due — and which form (P55, P53Z, P50Z) gets the refund.
NHS Pension Calculator
2026-27Estimate your NHS 2015 Scheme pension: career-average build-up at 1/54, contribution tier and optional lump sum.
LGPS Pension Calculator
2026-27Estimate your Local Government Pension Scheme pension: 1/49 career-average build-up, contribution band and 50/50 option.
Pension Tax Relief Calculator
See how much tax relief you get on UK pension contributions for 2026/27. Basic 20%, Higher 40%, Additional 45%. Annual allowance £60,000.
Annuity Calculator — Retirement Income
Calculate the income from a UK pension annuity. Compare lifetime, joint, and enhanced annuity rates based on age, health and pot size for 2026.
Pension vs ISA Calculator
Compare pension and ISA over time. See which gives you more after tax relief and withdrawal tax.
Salary Sacrifice Pension Calculator
Compare salary sacrifice vs relief at source pension contributions. See tax and NI savings.
Pension Annual Allowance Calculator
2026-27Check your pension annual allowance (£60K), tapered allowance and MPAA. See if you face a tax charge.
Teachers' Pension Calculator
Project your Teachers' Pension Scheme (TPS) career average (1/57th) pension, 2026/27 contribution tiers and the maximum tax-free lump sum you can take.
SIPP Calculator — Self-Invested Pension
Project a SIPP pot with 20% tax relief added, higher-rate relief reclaimed, employer contributions and growth, plus the tax-free lump sum at retirement.
Pension Consolidation Calculator
Compare keeping multiple pension pots vs consolidating into one. See fee savings over time.
Employer Pension Contribution Calculator
Calculate auto-enrolment pension contributions on qualifying earnings with tax relief.
Pension Lump Sum Calculator (PCLS)
Compare taking 0-100% as lump sum. See tax-free portion, tax on excess and remaining pot for drawdown.
Pension Sharing on Divorce Calculator
Calculate pension division in divorce. Compare sharing orders with different splits.