Free, independent, and mathematically rigorous planning tools. Model your retirement accumulation, tax relief mechanics, compound growth, and withdrawal options.
Simulate how long your retirement pot may last under different withdrawal rates. Compare flexible drawdown with annuity options and upfront capital withdrawals.
Compare two retirement timeline scenarios: Model illustrative outcomes if retiring at age 60 versus delaying to age 63 or 65, exploring capital allocations and ongoing compounding.
Calculate the private fund needed to retire early before your official State Pension Age (66–68) without draining your savings prematurely.
Uncover how platform custody fees, fund management charges, and ongoing adviser fees compound over decades, draining tens of thousands from your eventual pot.
Project how your workplace and personal pensions will compound up to your retirement date. Includes monthly contributions, investment returns, and government tax relief.
Learn how unspent defined contribution pensions pass to beneficiaries, how the age 75 tax boundary operates, and what the April 2027 Inheritance Tax reforms mean for your estate.
Impartial Statutory Guidance: All MapMyPension calculators are independent educational simulation tools designed to illustrate mathematical compounding and decumulation principles, and do not constitute regulated financial advice. Real investment returns fluctuate and are not guaranteed. For free, impartial guidance on UK retirement options, pension transfers, and savings, visit MoneyHelper or book a session with Pension Wise (for over-50s).
Our algorithms account for month-by-month compound growth, HMRC tax relief bands, and UK decumulation sequencing rather than naive annual multipliers.
MapMyPension is 100% free to use. We never sell financial products or manage funds. If you choose to request an introduction to an independent financial adviser from our directory, we may receive an introducer fee from the regulated firm.
If you need personalized financial advice, search our directory of verified FCA-regulated independent financial advisers (IFAs) across the UK.