Retirement planning tools and calculators
Our tools and calculators can help you plan for retirement, from understanding your retirement goals, exploring your retirement income options to taking money out of your pension.
Saving for retirement stage
You’re saving into your pension pot but are you saving enough? State Pension may not be enough to support you so the more you save now, the better retirement you may get.
How much do you need in retirement?
Get a clearer picture of how much income you might need in retirement.
Our Retirement Living Standards tool helps you understand how much money you will need based on the lifestyle you want.
Are you on track?
Use our Retirement Planner tool to see how much money you’ll have saved by the time you reach your retirement, and give you an idea of what kind of income you can expect and how long it will last.
Salary sacrifice
Your employer may offer you the option of paying by ‘salary sacrifice’. This means that your contribution is taken from your pay before tax, so you benefit from full tax relief straight away, and you save National Insurance too. Use our salary sacrifice calculator to see how you could benefit.
State Pension
Calculate when you'll reach State Pension age, and how much you may get in today's money for your basic State Pension.
Life expectancy calculator
Use the Office for National Statistics tool to see how long your pension savings might need to last.
Take your Midlife MOT course
Your midlife years (when you’re between 40-60) will probably be hectic. The Open University, in collaboration with Legal & General, has created your Midlife MOT to help you with your finances and wellbeing check-ups.
Approaching retirement
You’re ready to explore your retirement income. We have tools to help you understand some of the decisions you need to make when thinking about how to use your pension pot and how much income you could receive.
Retirement income product selection tool
Don’t know which income product is best for you? Answer some simple questions and we help you understand which product type suits you best.
What income can I get?
Deciding how to use your pension pot, there's no one 'right answer'. To help you get started, our calculator will show your how much you could get with various retirement income options.
How much do you need in retirement?
Get a clearer picture of how much income you might need in retirement.
Our Retirement Living Standards tool helps you understand how much money you will need based on the lifestyle you want.
State Pension
Calculate when you'll reach State Pension age, and how much you may get in today's money for your basic State Pension.
Life expectancy calculator
Use the Office for National Statistics tool to see how long your pension savings might need to last.
Take your Midlife MOT course
Your midlife years (when you’re between 40-60) will probably be hectic. The Open University, in collaboration with Legal & General, has created your Midlife MOT to help you with your finances and wellbeing check-ups.
In retirement stage
You've started accessing your pension pot. But is your money going to last you?
Drawdown calculator
If you’re considering starting or changing pension drawdown as a way to provide your retirement income, use the pension drawdown calculator.
State Pension
Calculate when you'll reach State Pension age, and how much you may get in today's money for your basic State Pension.
Life expectancy calculator
Use the Office for National Statistics tool to see how long your pension savings might need to last.
Need help?
Making well-informed decisions about how to finance your retirement is important so it’s worth shopping around and using available guidance and advice.
Retirement guidance
Pension Wise from MoneyHelper
The government’s free and impartial service, offering guidance to make money and pension choices clearer.
To find out more or book an appointment online click below or call.
0800 138 3944
8am to 6.30pm, Monday to Friday.
Calls may be recorded and monitored.
Send us a secure message
If you have any questions, you can send a secure message through your account. Use the link below to log in.
Get financial advice
Financial advisers can give you professional advice for pension planning.
You usually need to pay for their service and in return they recommend how to make the most of your pension given your circumstances.
To find and compare financial advisers please visit their website below.