About PensionCalc
PensionCalc provides free, easy-to-use calculators that help people in the UK estimate their retirement income — across the NHS, Teachers', and Civil Service pension schemes, the State Pension, pension tax relief, voluntary National Insurance, the Lump Sum Allowance, and early-retirement (FIRE) planning. Our goal is to turn complex, jargon-heavy pension rules into clear estimates you can understand in a few minutes.
Who runs PensionCalc
PensionCalc is built and operated by EVELCON LTD, a company registered in England & Wales (registered office: 128 City Road, London EC1V 2NX). We are an independent publisher of financial information tools. We are not a regulated financial adviser and are not authorised or regulated by the Financial Conduct Authority (FCA) — see "What our calculators are (and aren't)" below.
How we source our figures
Pension and tax figures change every year, and getting them right matters. Our calculators are driven by published official rates, and we cite our sources on each tool so you can check them yourself. Our primary sources include:
- GOV.UK — State Pension, National Insurance, and income tax rates and thresholds
- NHS Business Services Authority — NHS Pension Scheme rules and factors
- Teachers' Pensions — Teachers' Pension Scheme
- Civil Service Pension Scheme — alpha scheme rules
- MoneyHelper and the PLSA Retirement Living Standards
How we keep figures current
Every calculator shows the tax year it uses and a "last reviewed" date. We hold tax-year rates in a single, shared source so that when the State Pension, NI, or tax thresholds change, every calculator that depends on them updates consistently. After each UK uprating (typically each April) we review and update the rates. If you spot a figure that looks out of date, please tell us.
What our calculators are (and aren't)
Our tools give general information and illustrative estimates to help you understand your options. They make simplifying assumptions and cannot account for everything specific to you — for example contracted-out National Insurance, the McCloud (2015 Remedy) adjustments, scheme-specific actuarial factors, or your full income and tax position. Your scheme's own figures and your official State Pension forecast always take precedence over our estimates.
Nothing on PensionCalc is a personal recommendation or regulated financial advice. Before making decisions about your pension, consider speaking to a regulated financial adviser or using the government's free MoneyHelper and Pension Wise services.
Contact us
Questions, corrections, or feedback are very welcome — accuracy reports especially. Email us at info@pensioncalc.co.uk.