Welcome to PensionCalc
Understand UK pension schemes with confidence. Our calculators help you estimate retirement income, early retirement options, and lump sum choices.
Our Calculators
Combined Retirement Income Calculator
Calculate your total UK retirement income from State Pension, DB and DC pensions. Compare against PLSA Retirement Living Standards.
NHS Pension Calculator
Calculate your NHS 2015 pension with inflation adjustments, early retirement factors, and lump sum options.
State Pension Calculator
Find your State Pension age based on your date of birth and estimate your weekly State Pension based on your National Insurance qualifying years.
Teachers' Pension Calculator
Estimate your Teachers' pension scheme benefits with year-by-year calculations and early retirement options.
Civil Service Pension Calculator
Calculate your Civil Service alpha scheme pension with detailed projections and lump sum estimates.
Pension Tax Relief Calculator
Calculate your tax relief on pension contributions for 2026/27. Compare Relief at Source, Net Pay, and Salary Sacrifice methods.
LSA & LSDBA Calculator
Track your tax-free lump sum allowances under the post-April 2024 rules. Supports all protection types and transitional rules.
60% Tax Trap Calculator
See how income between £100,000 and £125,140 is taxed at an effective 60%, and how pension or Gift Aid contributions claw back your personal allowance.
NI Top-Up Calculator
Find out if buying voluntary National Insurance years is worth it for your State Pension.
Early Retirement Calculator
Calculate your path to Financial Independence and Early Retirement. Factor in SIPP, LISA, DB pensions and state pension with backwards calculation.
Resources
Civil Service Pension: The Complete Guide to What You're Actually Getting
Working for the government? Your pension is probably better than you realise. Here's exactly how the alpha scheme works and what it means for your retirement.
Teachers' Pension: What You Pay vs What You Get
The Teachers' Pension is one of the best in the country. Here's exactly how it works, what you contribute, and what you'll get when you finally escape the classroom.
NHS Pension: Is Early Retirement Actually Worth It?
Dreaming of early retirement? We crunch the numbers on what it really costs to leave the NHS early - and when it might actually make sense.
2015 NHS Pension Scheme: What You Put In vs What You Get Out
Confused about your NHS pension contributions? We break down exactly what you pay, what your employer adds, and what you'll actually get when you retire.
Should I Opt Out of the NHS Pension Scheme?
Thinking about leaving the NHS pension? Before you do anything, read this. We break down exactly what you'd be giving up - and it's probably more than you think.
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