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. 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.
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.