Pension & Retirement Calculators — United Kingdom
Project your pension pot at retirement and estimate annuity income using current UK rules and allowances.
Pension Planning
Pension Calculator
Project your pension pot at retirement based on contributions, employer match, and investment returns.
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Defined Benefit Pension Calculator
Estimate your NHS, LGPS, Teachers’, USS or Civil Service Alpha pension, tax-free lump sum, and commutation options.
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Salary Sacrifice Calculator
See the true take-home cost of pension salary sacrifice — tax, NI, student loan savings, and the employer NI pass-through at 2026-27 rates.
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Retirement Income
Annuity Calculator
Estimate annuity income, present value, and payout periods for retirement planning.
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About these calculators
Pension calculators use 2026-27 HMRC annual allowance, lifetime allowance rules, and standard growth rate assumptions. Pension projections are illustrative estimates. Always consult a pension specialist or financial adviser for retirement planning advice.