Calculators
Saving and planning
How much should I have in my pension by age?
Realistic UK targets for 30, 40, 50 and beyond, and how to tell if you're on track.
Read guide →How much do you need to retire?
The minimum, moderate and comfortable retirement standards, and the pot each implies.
Read guide →How much should you pay in?
The half your age rule, why 8% is less than it sounds, and what starting at 25 rather than 45 is worth.
Read guide →Pension or ISA?
Tax relief in, or tax-free out. The maths on which wins, and the 2027 changes that shift the answer.
Read guide →How to find and combine old pensions
Tracking down lost pots from old jobs, and when combining them makes sense.
Read guide →Pension basics
The 25% tax-free lump sum explained
How the tax-free cash works, when you can take it, and the £268,275 cap.
Read guide →What is a SIPP?
The pension you open and control yourself: how it works, what it costs, who it suits.
Read guide →Workplace pension vs SIPP
Employer money and capped charges, or choice and control. The order most people should use.
Read guide →Pension charges explained
The fees hiding in your pot, the 0.75% cap, and what half a percent really costs over a career.
Read guide →Workplace pensions
State Pension
How much is the State Pension in 2026/27?
The new £241.30 weekly rate, the rising pension age, and how to fill NI gaps.
Read guide →State Pension age timeline
The rise to 67 is phasing in right now, month by month. Who is affected, and when 68 arrives.
Read guide →Filling National Insurance gaps
£957 buys £358 a year for life. Who should top up, who gets years free, and the checks to make first.
Read guide →Pensions and tax
Pension tax relief explained
How the 20%, 40% and 45% top-ups work, and the relief higher earners forget to claim.
Read guide →What happens to your pension when you die?
Who inherits it, the age 75 rule, and the inheritance tax change coming in 2027.
Read guide →Pension carry forward explained
Use unused allowance from the last three tax years, up to £240,000. The rules and the catches.
Read guide →Taking your pension
Annuity vs drawdown
Guaranteed income for life, or flexibility with your pot invested. How to choose, or mix both.
Read guide →The pension age is rising to 57
From April 2028 the earliest access age jumps two years. Who's affected, and the 1971-73 quirk.
Read guide →Life and work
Self-employed pensions guide
No auto-enrolment, no employer money. How to build a pension yourself, and protect your State Pension.
Read guide →Pensions for parents and carers
The Child Benefit trap, free NI credits families miss, and how grandparents can claim credits too.
Read guide →Pensions and divorce
Sharing, offsetting and attachment orders in plain English, and the mistakes that cost at retirement.
Read guide →Pension scams: the red flags
The average victim loses £38,400. The warning signs, and the 2-minute FCA check that stops most scams.
Read guide →Pension Sprout provides illustrations and general information only, not regulated financial advice. Figures across these guides reflect the 2026/27 tax year, correct as of July 2026. For advice tailored to your circumstances, speak to a financial adviser regulated by the Financial Conduct Authority (FCA), or get free guidance from MoneyHelper.