UK pension and retirement calculators
Explore pension salary sacrifice, basic-rate tax relief, the annual allowance and a basic Inheritance Tax illustration.
Choose a pensions & retirement calculator
Pension tax relief calculator: basic-rate top-up
Convert a personal pension payment into its gross contribution.
Pensions & retirementSalary sacrifice pension calculator UK
Compare take-home pay before and after a pension sacrifice.
Pensions & retirementPension annual allowance calculator UK 2026/27
Estimate the standard or tapered pension input allowance.
Pensions & retirementInheritance Tax calculator UK: basic estate estimate
Illustrate estate tax using the standard nil-rate band.
Pensions & retirementPension pot growth projection calculator UK
Model a defined-contribution pot with personal and employer gross contributions.
Pensions & retirementPension income at a chosen draw rate calculator UK
Translate a pension pot and your chosen annual withdrawal percentage into gross income.
Pensions & retirementPension pot for an income gap calculator UK
Calculate a pot target from an income gap and a withdrawal rate you choose.
Pensions & retirementPension tax-free lump sum calculator UK
Estimate the ordinary 25% tax-free cash amount within confirmed remaining lump sum allowance.
Pensions & retirementTax on a taxable pension withdrawal calculator UK
Estimate extra annual Income Tax from a wholly taxable pension withdrawal.
Pensions & retirementRetirement income and spending budget calculator UK
Compare net pension and other income with essential and optional retirement spending.
Pensions & retirementPension contribution for a pot target calculator UK
Solve the monthly gross personal input needed after allowing for employer contributions.
Pensions & retirementPension allowance carry-forward total calculator UK
Add confirmed usable prior-year allowance to the current year’s allowance.
Pensions & retirementWhere to start
Compare the cost of a salary sacrifice with the relief-at-source top-up for a personal contribution. Check the pension annual allowance separately; it is not the same as the earnings-based tax relief limit.
UK data and coverage
Pension rules have different income definitions, tapering and exceptions. These tools make their scope explicit; the estate tool needs confirmed available nil-rate bands rather than assuming eligibility.
Each calculator explains the formula, includes a worked example and identifies the assumptions that can affect your result. Official rule tables and dated price references are linked on the relevant pages.
Read the data sources and calculation methodology or browse all UK calculators.