Explore how your pension, savings and spending habits could shape your retirement

Build a detailed retirement forecast using your existing pension pots, ISAs, planned contributions and desired income. The planner shows the monthly income your assets might support, and how changing assumptions affects the picture. Figures use the 2026/27 tax thresholds and are updated with verified rates from 21 August 2026.

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Combine all your retirement assets

Add existing pension pots, ISAs, savings and other investments. The planner treats each one according to UK tax rules, including the 25% tax-free cash available from most pensions.

Adjust contributions and retirement age

See how increasing pension or ISA contributions, or changing the age you stop work, could affect your projected retirement income.

Scottish and rest-of-UK tax support

Tax calculations use the correct bands for Scotland and the rest of the UK, so your take-home and pension estimates match your tax situation.

Export your plan

Save your plan and export a summary to review later or share with a regulated financial adviser.

Common questions

Is this financial advice?

No. This is an educational comparison tool. It helps you explore possibilities, not recommend a specific course of action.

Can I model drawdown and annuity options?

Yes. The planner lets you choose how to draw from your pension, including flexible drawdown and tax-free cash.

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