Free UK Pension Calculators for 2025/26

Enter your NI qualifying years to see your projected weekly, monthly and annual state pension at retirement.

Find out your exact state pension age and the date you can start claiming, based on your date of birth.

See the cost of buying missing NI years, the extra pension you would receive, and whether it is worth it.

Find out how much extra state pension you would receive by delaying your claim past pension age.

Project your final pension pot with compound growth, employer contributions and tax relief included.

See exactly how much a pension contribution really costs you after tax relief at your income band.

Check whether your pension contributions are within the £60,000 annual allowance, including taper rules.

Compare salary sacrifice vs net pay contributions and see the NI savings available to both you and your employer.

See how long your pension pot will last based on your withdrawal rate, investment growth and charges.

Calculate how much tax-free cash you can take from your pension under the 2024 Lump Sum Allowance rules.

Compare guaranteed annuity income with flexible drawdown across income, risk, inflation and death benefits.

Calculate the tax you will pay in retirement across state pension, private pension and other income sources.

Compare pension contributions with Stocks and Shares ISA investing at different income levels and time horizons.

Find out the gap between your projected pension pot and your retirement income target, and what to do about it.

Understand the real value of your state pension as an annuity equivalent, the numbers may surprise you.