Saving for Retirement
Build your pension pot before you retire. While you're still working, focus on contributions, employer matching, and maximising tax relief to reach your retirement goal.
Use these tools to estimate how much you need, check if you're on track, and explore strategies to grow your savings before retirement.
Savings & Pension Calculators
FIRE Calculator
Estimate your financial independence number and how long it might take to reach it
Quick Retirement Calculator
Get a quick estimate of whether your current savings are on track
Retirement Goal Calculator
Explore your target retirement income and the savings needed to support it
Retirement Savings Modeller
Model how contributions, growth, and time affect your retirement outcome
Pension Growth Calculator
Check how your existing pension savings may grow over time
Pension Allowance Calculator
Understand contribution limits and unused carry-forward space
Pension NI 2029 Calculator
Estimate how the 2029 NI cap affects salary sacrifice contributions
Guides: How Pensions & Savings Work
Retirement Savings Guide
Learn about building long-term wealth and saving strategies
Finding Lost Pensions
Track down old workplace pensions and consolidate your savings
Ways to Save for Retirement
Retirement savings can be held in different types of accounts, each with different tax rules. Understanding how these work can help you see how your savings fit together over time.
Pensions
Tax-advantaged long-term retirement savings
ISAs
Flexible, tax-free savings alongside pensions
GIAs
Taxable investments outside pensions and ISAs
Approaching Retirement?
When you're ready to turn your savings into income, the planning focus shifts to withdrawals, tax efficiency, and sustainability.
Explore retirement income planning