The index
UK retirement calculators
Free calculators, no sign-up. Each one answers a question the Autumn Budget raised, modelled on UK tax and sourced. Good for a first look; the planner is for the plan you live by.
Estimate how the April 2027 change brings an unused pension into inheritance tax — and the double hit of IHT plus income tax on death at or after age 75.
Compare how the order of pension, ISA and GIA withdrawals changes lifetime tax, how long pots last, and wealth left at age 100.
Find the earliest age at which stopping work keeps a UK retirement projection solvent to age 95, with a spending sensitivity row.
Replay one cash-and-gilts UK retirement plan from every start year in three centuries of Bank of England data and see how often it held a positive balance.
Project a new State Pension from National Insurance qualifying years and see what buying voluntary Class 3 years would cost, add, and when it breaks even.
See what salary sacrifice does to take-home pay, employee and employer National Insurance, and a pension pot — under current rules and the enacted 2029 £2,000 NI cap.
Compare a Lifetime ISA with a SIPP for the same out-of-pocket saving: pot at 60, post-tax spendable value, and the relief-in versus tax-out crossover by tax band.
Prefer to read first?
The UK drawdown-order guide
How pension, ISA and GIA withdrawals interact with income tax, inheritance tax and the State Pension — the reasoning behind the calculators, in one place.