Pension annuity calculator

Helping you understand your pension annuity income choices

If you’re considering a pension annuity, our calculator is a simple way to get an idea of the income you may receive from this product.

The calculator is easy to use and won’t take up much of your time. Using factual information provided by yourself, it produces figures based on Aviva’s pension annuity product and some of the options it can offer. For information about all our annuity’s options, you should see our Pension Annuity page.

Please be aware that the calculator isn’t intended to provide personalised advice or give personal recommendations. If you need a personal recommendation, you should seek financial advice. If you don’t have a financial adviser please visit to find an adviser in your area.

You could also consider alternatives to buying an annuity – you’ll find information on this at How do I take money from my pension fund?

Make sure you're in the right place...

Aviva offers two types of annuity products - a Pension Annuity and the With Profits Pension Annuity.

This calculator only provides information on the Pension Annuity.

If you'd like to find out more about our alternative annuity option, please see the With Profits Pension Annuity page.

Who can use this calculator?

It could be useful if:

  • You're aged 55 to 74. If you're 75 or over, please call us on 0808 149 9307 and tell us what annuity options you'd like to receive a quote on.
  • You have one or more pension funds from any provider, none of which are from a defined benefits scheme.

What do I need to use it?

  • Details of any medical conditions you have or have had.
  • Your latest pension fund statements will help, but they’re not essential.

10 minutes to complete



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Pension Wise

Pension Wise is a free and impartial service set up by the government for people retiring with defined contribution pensions. It will help you understand what your choices are and how they work.

You'll be able to get help on the Pension Wise website, over the phone or face to face about:

  • what you can do with your pension pot
  • the different pension types and how they work
  • tax you pay on your pension.

If you're not sure about your options at retirement you should seek appropriate guidance or advice.

Whatever your health or lifestyle, please answer all questions carefully to get a quote that best reflects your circumstances. For example, if you are a smoker and/or have certain health conditions we may be able to pay you a higher income.

  • When you’ve finished you can see a summary of your options, potential income and details of what to do next.
  • The quote you receive isn’t guaranteed and we can only offer online quotes to UK mainland residents.
  • You can use the calculator even if you don't have a pension plan with Aviva.
  • Remember that you can shop around for your annuity.

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