UK pension calculators that don't ask for your email
Free · interactive · nothing leaves your device
Clear answers to the questions that actually matter when you plan retirement: how long will my pension last, what will it grow to, and what does a contribution really cost after tax relief? Every tool here runs entirely in your browser — no sign-up, no lead forms, and your numbers are never sent anywhere.
Pension Drawdown
Model UFPLS withdrawals year by year — income tax, net monthly income, and how long your pot lasts, with an interactive chart.
CalculatorPension Growth
Project your pot to retirement with monthly contributions, lump sums and compound growth — compare 5%, 7% and 9% scenarios side by side.
CalculatorSIPP Tax Relief
See the automatic top-up, the extra relief you can claim back, and the true cost of every £1 you put in — including the 60% zone above £100k.
GuideUFPLS, Explained
The 25% tax-free / 75% taxable withdrawal method in plain English — and when it beats taking your tax-free cash upfront.
GuideDrawdown vs Annuity
Flexible income or guaranteed income for life? The honest trade-offs, and why many retirements end up using both.
CompareSIPP Platforms
Where to actually hold a SIPP — platform fees and features compared, in one table.
Why these tools exist
Most pension calculators online are lead-capture forms with a chart attached: they want your email before showing a number, hide the assumptions, and stop at a headline figure. These tools were built by someone doing their own retirement planning who wanted better — full year-by-year tables, honest tax treatment (including the personal allowance taper most calculators skip), and assumptions you can change and see instantly.
Everything is factual information and general education, not financial advice — read who runs this site and the full disclaimer.