Free UK pension & retirement calculators
Calculators covering pension tax relief, drawdown, salary sacrifice, State Pension age and more — each one free, built on the same UK tax rules Penli's full planner uses, with no account needed.
Figures for the 2026/27 tax year.
Saving & growth
Tax & contributions
- Pension Tax Relief CalculatorWork out the government top-up on your pension contribution, and what you can reclaim.
- Salary Sacrifice Pension CalculatorSee how sacrificing salary into your pension changes your take-home pay.
- £100k Tax Trap CalculatorSee your effective marginal rate above £100k, and what pension contributions restore.
- Pension Inheritance Tax CalculatorSee illustrative IHT on your pension and estate under the incoming rules.
- Pension Carry Forward CalculatorWork out your available annual allowance across this year and the last three.
- Auto Enrolment Pension CalculatorSee your minimum employee, employer and tax relief contributions per pay period.
Planning
- How Much Do I Need to Retire? CalculatorSet a retirement lifestyle and see the pot you need, and the gap to close.
- Early Retirement CalculatorSee whether retiring early is sustainable, and how to bridge to pension access age.
- State Pension Age CalculatorFind your State Pension age and the current full new State Pension amount.
- Junior SIPP CalculatorSee how a child's pension grows from birth to retirement, with automatic tax relief.
Retirement income
- How Long Will My Pension Last? CalculatorSee the age your pot runs out under different growth and withdrawal scenarios.
- Pension Tax-Free Lump Sum CalculatorWork out your tax-free cash and the tax due on the rest, however you take it.
- Annuity vs Drawdown CalculatorCompare a guaranteed annuity income against drawing down your pot flexibly.