Before you start
- The current value of your pension(s)
- How much (or the percentage) you and your employer pay into them
The planner uses the HMRC UK Personal Allowance and tax bands for England and Northern Ireland from 6 April 2020 to 5 April 2021. Scottish and Welsh income tax thresholds may differ.
- When you plan to retire, or start taking money from your pension(s)
Remember, the retirement planner only gives you an estimate and your future income may differ significantly from the illustration provided. It isn’t intended as a recommendation or personalised advice.
If you do want to make changes to your pension, we strongly recommend you talk to a financial adviser. If you would like more information about getting financial advice, visit our financial advice webpage.
Pension Wise
This government service offers free and impartial guidance on your retirement options, either over the phone or face to face.

Pension articles
Take a look at our library of helpful articles and guides.

Your decade-by-decade guide to pension saving
From getting started early to making tricky choices later on, we explain how you make the most of your pension evolves over time.
Read more

Are you making the most of your pension tax relief?
Everyone’s entitled to tax relief when they pay into a pension. Even non-taxpayers. So, what can you pay in and how much tax relief will you get?
Prepare for your future

Understanding your pension statement
Learn how to read your pension statement to plan your finances, understand charges, explore your investments and more.
Your pension statements explained

Pensions jargon buster
Some pension terms can be a bit technical – or a bit vague. Don’t worry, we’re here to help.
Understand your pension