Pensions calculators
State Pension top-ups, salary sacrifice, tax relief and allowances.
16 calculators · cited to gov.uk · 2026/27
State Pension top-up break-even calculator See what buying a missing NI year costs, what it adds for life, and how fast it pays back. Salary sacrifice pension calculator What paying into your pension really costs after the tax and NI saving. Pension tax relief & 60% trap The real cost of a contribution after relief, including the 60% band. Annual & tapered allowance checker Check whether the taper cuts your £60,000 allowance, by how much, and if a charge is likely. Pension pot projection Project a pot to retirement after charges, shown in today’s money so the figure means something. Pension drawdown calculator Calculate pension drawdown calculator. Tax-free lump sum calculator Calculate tax-free lump sum calculator. Annuity calculator Calculate annuity calculator. State Pension age checker Calculate state pension age checker. State Pension forecast Calculate state pension forecast. Pension vs ISA Calculate pension vs isa. How much pension do I need Calculate how much pension do i need. NHS pension calculator Calculate nhs pension calculator. Teachers pension calculator Calculate teachers pension calculator. Pension contribution calculator Calculate pension contribution calculator. Salary sacrifice vs relief at source Calculate salary sacrifice vs relief at source.
Guides for pensions
Clear explanations of the rules behind these calculators, checked against gov.uk for 2026/27.
- 2026/27 tax year: key rates and dates
- Emergency tax: how much and how to claim it back
- How much is £100,000 after tax?
- How much is £60,000 after tax?
- How much pension do I need to retire?
- How much should I pay into my pension?
- Is salary sacrifice worth it?
- ISA allowance 2026/27: limits and how they work
- NHS pay bands 2026/27: salary and take-home
- Overpay the mortgage or invest? The maths
- Pension annual allowance 2026/27 explained
- Pension Credit 2026/27: rates and who qualifies
- Pension tax-free lump sum: the 25% rules
- Salary sacrifice and your student loan
- Salary sacrifice vs relief at source pensions
- State Pension 2026/27: how much you get
- Winter Fuel Payment 2026/27 explained