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Spend My Pension

UK Retirement Calculator

Investment Tools

Free calculators and tools to help you understand your retirement finances better. All calculations happen in your browser — nothing leaves your device.

Pension Checker

Our original retirement calculator. Enter your pensions, savings, and spending to see exactly how long your money will last — year by year.

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Investment Growth Calculator

See how your investments could grow over time with historical index fund returns. Model different indices, monthly contributions, and time horizons.

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Pension Need Calculator

Work out how much pension pot you need to fund your desired retirement income. Accounts for State Pension and investment growth.

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Tax on Withdrawals Calculator

Calculate income tax on your pension withdrawals using current UK tax bands. See exactly how much you'll take home after tax.

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State Pension Age Checker

Find out when you can claim your UK State Pension based on your date of birth, and see the current weekly amount.

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More Tools Coming Soon

We're working on additional calculators and tools to help with retirement planning. Have a suggestion? Let us know!