About PensionCalc
A free, independent UK financial calculator suite — helping you understand your pension, mortgage, and savings options with clear, accurate estimates.
Our Mission
pensionestimate.uk was created to give UK residents free access to accurate, easy-to-use financial calculators. We believe everyone deserves to understand their financial options — without needing a financial adviser to do basic maths.
All our calculators are built using publicly available rates from HMRC, GOV.UK, the Money and Pensions Service, and official pension scheme publications. We cite our sources and clearly label estimates as estimates, not personalised financial advice.
What We Offer
Our suite of free calculators covers the key financial decisions most UK adults face:
State Pension, private pension, NHS, Armed Forces, Teachers, SIPP, and pension drawdown — all with current tax year rates.
Standard mortgage, remortgage, and buy-to-let — helping you understand payments before talking to a lender.
IR35 inside/outside, pension tax relief, HMRC lump-sum tax, net pay salary — updated for the current tax year.
Savings, redundancy, equity release, annuity comparison — for life's other big decisions.
How Our Calculators Work
Every calculator on this site uses real, publicly sourced data:
- State Pension rates — from GOV.UK and the Pensions Advisory Group
- Tax rates and bands — from HMRC current tax year guidance
- Annuitant rates — sourced from Retirement Line, Which?, and Hargreaves Lansdown
- NHS/Teachers/AFPS rates — from official scheme documentation
- Mortgage rates — indicative market rates updated regularly
We show our working — results include the assumptions and sources used so you can verify them independently. Every calculator page has a FAQ section answering the most common questions our users ask.
Why Use pensionestimate.uk?
Your data stays with you
No forms to fill in, no account to create. Calculations run entirely in your browser — we never see, store, or transmit your personal information.
Genuinely free
No premium tiers, no paywalls, no "upgrade to see more". Everything is free. We are funded by contextual advertising, clearly labelled as advertisements.
Independent
We are not owned by or affiliated with any financial services company, pension provider, or comparison platform. Our recommendations are our own.
Always current
We update all calculators at the start of each tax year and whenever HMRC, DWP, or official scheme rates change.
Who We Are
pensionestimate.uk is operated by an independent UK-based individual. We are not a regulated financial adviser, and no content on this site constitutes financial advice. We are a tool to help you understand your options — when making financial decisions, we always recommend consulting a qualified financial adviser or using free guidance from the Money Advice Service.
Get in Touch
Have a question, suggestion, or spotted an error? We'd love to hear from you.
Contact Us