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Pension calculator

Use our pension calculator to find out how much you should consider saving for retirement

In a few easy steps, our pension calculator will help you find out if you’re on track to get the income you want in retirement. By getting an idea of how much your pension savings might pay in the future, you could have enough time to make up for any shortfalls.

How to use this pension calculator

Simply enter your personal and pension details below to discover what your pension savings could pay in the future, and what impact the State Pension could have.

Once you’ve added your details, the pension calculator will show you an estimated pension and annual income value at retirement. If you want to find out what impact the State Pension will have on any income you could receive in the future, make sure you select this option.

Your details and contributions

plus minus
0% 25%
or plus minus
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Give us a few details to see your results

If you choose to view the results in real terms, your final fund value, potential income and target income will be discounted to show their buying power in today’s money.
This is your gross salary (before any tax, national insurance or other deductions).
This is the current value of any pension savings you have already built up.
Enter your intended retirement age. If this is in the next year, a live annuity quote will give you a better idea of the income available.
This should be the annual pension income you would like to receive when you retire. We will revalue this in line with inflation so its buying power is maintained.
This is the age at which you plan to take an income from your pension, not necessarily the age at which you will stop working.
At retirement, you can normally take up to 25% of your pension as a tax free cash lump sum, although selecting this will reduce the amount available to provide you with an income throughout your retirement.
Please use the +/- buttons to select the percentage or value of your salary YOU contribute to your pension(s). You can change this value to view the effect this has on your pension income.
Please use the +/- buttons to select the percentage or value of your salary YOUR EMPLOYER will contribute to your pension(s).
This lets you choose the intervals at which your retirement income would be paid.
This lets you choose the intervals at which your retirement income would be paid.
This allows you to choose a period for which income is guaranteed to be paid even if you die within that time.
You can change this to choose a pension which rises each year. This will give you a lower income at first, but it will increase each year in retirement.
This can be changed to reflect how much of the retirement income you would like to continue being paid to your spouse/dependant upon your death.
These options reflect the way in which you expect to take your annuity income from your pension when you retire. Changing these options will not affect your pension fund value, but will change the annual income your receive from it.
You can change this to match the charges of your current pension(s). Selecting different levels will allow you to see the impact of higher/lower charges upon your fund.
Use this to change the amount you expect your pension fund to grow each year before you retire.
The rules mentioned are those currently applying and could change in the future. You can normally only access the money from age 55 (57 from 2028). Tax reliefs depend on your circumstances. This website is not personal advice, if you are unsure an investment is right for you, please seek advice.