UK Retirement & Pension Calculators

Everything you need to plan a UK retirement, using current HMRC and DWP rates for 2026/27. Build your pot tax-efficiently, turn it into income with drawdown or an annuity, forecast and top up your State Pension, and plan for Pension Credit and Inheritance Tax.

Saving & allowances

Get the most out of every pound you put in — tax relief, the annual allowance, and the ISA vs pension decision.

Pension Tax Relief Calculator See the tax relief on your pension contributions, including the tapered allowance for high earners and carry forward. Pension Annual Allowance Calculator Check your standard, tapered or MPAA annual allowance and the carry forward available from the previous 3 years. Pension Allowances Reference Every annual and lump sum allowance by tax year, the taper, carry forward, and what replaced the lifetime allowance. ISA vs Pension Compare an ISA against a pension for retirement saving — tax relief in, tax on the way out, and access age.

Decumulation

Turn your pot into income — model flexible drawdown or weigh it against a guaranteed annuity.

Pension Drawdown Calculator Tax on flexi-access drawdown or UFPLS withdrawals, with State Pension interaction and a pot sustainability projection. Annuity vs Drawdown Calculator Compare a guaranteed annuity income against flexible drawdown — how long your pot lasts and the longevity breakeven age.

State Pension

Forecast your State Pension, fill gap years, and check your National Insurance record.

State Pension Calculator Forecast your new State Pension from qualifying years and your State Pension age. State Pension Top-Up Calculator See whether paying voluntary Class 3 NI to fill gap years is worth it — cost, the pension boost, and your payback period. National Insurance Calculator Class 1 NI for employees, Class 2 and Class 4 for the self-employed, plus voluntary Class 3 to fill State Pension gaps. NI Class Identifier A short wizard to work out which National Insurance class (1, 2, 3 or 4) applies to you.

Low income & estate

Top up a low retirement income and plan what passes to your estate.

Pension Credit Calculator Check eligibility for Guarantee Credit and Savings Credit and estimate your weekly DWP top-up. Pension IHT 2027 Planner Plan for unused pensions falling inside your estate for Inheritance Tax from April 2027. Inheritance Tax Rates Reference The nil-rate band, the residence nil-rate band and its taper, and the 7-year gift taper table by tax year.

Related Calculators

Pension Allowances Reference

Every annual and lump sum allowance by tax year, the taper, carry forward, and what replaced the lifetime allowance.

State Pension Calculator

Project your UK State Pension based on NI qualifying years and the new flat-rate amount.

Pension IHT 2027 Planner

Model the 6 April 2027 pension-into-IHT change under 5 strategy scenarios.