See how much retirement income your pension could provide
A pension calculator is a tool that helps estimate how much income your pension might generate based on your pot size, contributions, and retirement age. It can also highlight how factors like tax or early withdrawals affect your future income.
A pension calculator can give you an estimate of what your savings might deliver in retirement. But tax, withdrawals, and your other assets all play a big part in shaping your actual income. That’s where expert advice makes the difference. An expert pension adviser can help you:
- Factor in tax rules that can reduce or reshape your income
- Adjust for multiple pensions, investments, or property wealth
- Reflect changes in any withdrawal strategies or lifestyle goals
- Offer guidance on whether drawdown, annuity, or a mix works best for you
Very professional and friendly advice. Highly recommend this company to anyone who is not clear on what to do with your pension after retirement.
I had been slightly unsure about what to do or who to trust, especially in todays world of 'rip offs' and scams but now I feel more settled after a simple follow up call.
Plan your pension income with confidence
Working out your retirement income isn’t always straightforward. Tax rules, investment choices, and different income options can all affect how much you actually receive. An FCA-regulated adviser will look at your full picture and help you make the right decisions. You'll get:
- Tax-efficient strategies
An adviser can show you how to use your 25% tax-free lump sum wisely and structure your withdrawals to keep your tax bill as low as possible. - Clarity on income options
Deciding between drawdown, annuities, or a mix of both can feel complex. An adviser explains the pros and cons in plain English and helps you choose the option that fits your lifestyle and risk tolerance. - A holistic plan
Your pension is just one part of the puzzle. An adviser considers your savings, investments, property, and even state pension entitlements to build a complete retirement income strategy. - Peace of mind
Retirement should be about enjoying life, not worrying about money. With a personalised plan and ongoing reviews, you’ll know your income is sustainable for the long term and that you’re not missing out on opportunities.
The advice difference:
A £250,000 pension pot could provide:
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£12,000 a year for 25+ years with careful withdrawals and growth
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Or just £20,000 a year for 15 years with higher withdrawals and poor markets
An adviser helps you plan withdrawals sustainably and make sure you don’t pay more tax than you need to.
Why expert advice on drawdown matters
An FCA-regulated adviser can help you:
- Avoid running out of money too soon by creating a sustainable withdrawal strategy based on your pot size, lifestyle needs, and life expectancy.
- Withdraw income in the most tax-efficient way helping you use your 25% tax-free cash wisely and structure withdrawals to minimise tax bills.
- Balance drawdown with annuities for security combining flexible access with the certainty of guaranteed income for essentials.
- Protect your pension savings for your family ensuring your remaining pot can be passed on tax-efficiently, so more goes to your loved ones.
How it works?
It couldn't be simpler, start by completing our online form so we can get a better understanding of how we can help.
We will use the information that you provide us with to match you with the best pension adviser for you.
You’ll hear from your local adviser shortly to book your free consultation with no pressure to proceed.
Why use our service?
Making decisions about your pension is important, and getting the right advice can make all the difference. Our service connects you with trusted, FCA-regulated advisers who are ready to help you navigate your pension choices.
- Free and impartial - There’s no charge for using our service — we’ll match you with a qualified adviser at no cost to you.
- Quick and convenient - It takes less than a minute to be matched with an adviser who understands your needs.
- Advisers near you - Our nationwide network means you’ll be connected with someone local, so you can choose how and when to speak.
Our expert adviser network
All of the advisers we work with are FCA-authorised and regulated.
Frequently asked questions
Pensions can be one of the most valuable assets you’ll ever own but also one of the most complex. The right advice helps you make smart, tax-efficient choices, avoid costly mistakes, and create a retirement income that suits your goals.
The cost depends on your needs and the complexity of your situation. Your initial consultation is free, so you can explore your options without any obligation.
Often, yes you can, and this can make managing your retirement income much simpler. However, it’s important to check if you’d be giving up valuable benefits before moving your pensions. An adviser can review this for you.
You could take a tax-free lump sum, use pension drawdown, buy an annuity, or use a combination of these options. The right choice depends on your circumstances, risk appetite, and income needs. An FCA-regulated adviser can talk you through your options to help you make the right decision for you.