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Marks & Spencer


Planning tools


Here’s where you can find all our planning tools to help you manage your pension savings.

They’re here to help you make decisions and work out what’s right for you. You can use each one individually, but they also fit together to create a picture of your future and help you plan towards it. 

How much will you actually need?

Get a clearer picture of how much income you might need in retirement. Our Retirement Living Standards tool help you understand how much money you will need based on the lifestyle you want.

How much will you need? tool

Retirement planning tool

Once you've got an idea of how much you'll need in retirement, head over to our retirement planner to see if your pension savings are currently on track to give you the income you need.

Retirement planning tool

Boost your savings

If you’re considering saving more into your pension, use our tool to see where your money goes and where you could look to make small changes to free up a bit of extra cash.

Boost your savings tool