Annuity Calculator

How our annuity calculator works

Curious about what your pension pot might give you in retirement?

Our annuity calculator gives you a quick ballpark figure—no fuss, no personal info needed.

Just enter your age and the size of your pension, and we’ll show you an estimated income range using current rates from top UK providers.

What goes into the calculation?

To keep it straightforward, the calculator assumes you’re in good health and looking to buy a standard lifetime annuity. It doesn’t include extras like inflation protection or payments to a spouse or partner.

But here’s the thing—if you have certain health conditions or lifestyle factors (like smoking), you might be eligible for an enhanced annuity, which could give you a higher income than shown here.

A few things to keep in mind

This is just a guide to help you get a feel for your options. Everyone’s situation is different, so if you want a quote that’s tailored to your circumstances—including any health conditions—it’s worth speaking to an annuity expert.

Use the calculator to get a sense of what your retirement income could look like—and start planning with confidence.

Can I get a personal quote using your calculator?

Our calculator is designed to give you a quick estimate based on current annuity rates, using just your age and pension pot size. It doesn’t generate a personalised quote.

If you’d like a quote tailored to your individual circumstances, including your health and lifestyle, you’ll need to use a service that gathers more detailed information — such as those offered by Legal & General, Aviva, or Retirement Line.

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Please remember that the content on this site is purely informational and should not be considered personal financial advice. We are not affiliated with any of the websites mentioned or linked to on our website.