Pensions shortfall calculator
Explore whether there may be a shortfall between your pension savings and retirement income needs.
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Current Pension Savings
Retirement Income Needs
Retirement Projection
Growth Rate Scenarios
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All projections are illustrative estimates only and do not constitute financial advice. Investment returns are not guaranteed — actual growth may be higher or lower than assumed. Inflation assumptions significantly affect outcomes. State Pension figures are based on the 2025/26 full new State Pension of £11,973/year, payable from age 67. Annuity rates are indicative only. Always consult a regulated financial adviser or pension specialist before making decisions about your retirement savings.