Free retirement calculators
Nine tools for planning a gradual retirement, built on official figures from GOV.UK, HMRC and the ONS. Each one shows its sources and when it was last checked.
All tools
The glide planner
Your whole glide on one timeline: pay as you dial down, pot withdrawals, bridge years and State Pension.
Open → PensionsPension age checker
When you can take a private pension (55 or 57) and your State Pension, side by side.
Open → PayPart-time pay calculator
Pro rata salary and take-home pay if you dial down your hours, after tax, NI and pension.
Open → State PensionState Pension calculator
Estimate your State Pension from your NI years, and see what filling a gap could add.
Open → SavingsHow much do I need to retire?
The pension pot you might need for a minimum, moderate or comfortable retirement.
Open → TimeHealthy years calculator
Healthy life expectancy for your age and sex, and how many healthy years fall after State Pension age.
Open → QuizRetirement readiness quiz
12 gentle questions on head, heart and wallet. Get a score out of 36 and one next step for each gap.
Open → TaxPension tax calculator
The extra tax a pension withdrawal adds on top of your pay, and what spreading it over years changes.
Open → BudgetRetirement budget calculator
Your monthly spending now vs after you dial down, what changes most, and how it compares with the Retirement Living Standards.
Open →All tools give general guidance, not financial advice. How our tools work.