Your retirement, worked out.

Plain-English guides and free calculators for UK pensions. Every figure is checked against GOV.UK and HMRC, and every sum shows its working.

Figures for the 2026/27 tax year, last checked on 7 October 2026.

When can you get your State Pension?

Add your National Insurance years in the full State Pension calculator to estimate your amount.

28 October 2026
Autumn Budget. Pension and ISA rules could change; we re-check every page that week.
6 April 2027
Most unused pensions count for inheritance tax. The cash ISA limit falls to £12,000 for under-65s.
6 April 2028
The minimum age to take a private pension rises from 55 to 57. By then the State Pension age has reached 67.
6 April 2029
National Insurance savings on salary sacrifice are capped at £2,000 a year.

How much is the State Pension in 2026/27?
Full and basic rates for 2026/27, how your NI years change the amount, and the tax catch.
State Pension age is rising to 67: check your date
The month-by-month table for people born from April 1960, with worked examples.

Pension tax relief explained, with worked examples
Relief at source vs net pay, how to claim the higher-rate part, and the 60% band.
Salary sacrifice pensions: what you save now and after the 2029 cap
How the NI saving works, who the £2,000 cap hits from April 2029, and worked examples.

How much do I need to retire in the UK?
Minimum, moderate and comfortable budgets turned into the pension pot you would need.

Tax-free lump sum: take 25% now or leave it invested?
All at once or in stages, the traps (emergency tax, MPAA) and the 2027 inheritance tax angle.

Pensions and inheritance tax from April 2027: what changes
What changes on 6 April 2027, with worked examples and the 67% worst case.

Cash ISA limit cut to £12,000 from April 2027
The new £12,000 cash limit, the over-65 exemption, the transfer ban and what to do before April 2027.

State Pension age and amount calculator
Your exact State Pension date and an estimate of your weekly amount.
Pension tax relief calculator 2026/27
What the government adds, what you need to claim, and your real cost.
Pension inheritance tax calculator (from April 2027)
Inheritance tax on your estate before and after pensions count from April 2027.

Every rule links to the GOV.UK or HMRC page it comes from. How we check

Worked examples are calculated in code and laid out line by line, so you can follow them.

Each page shows when its figures were last checked. We review them every April and after every Budget.

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