Plan your retirement with your own numbers, not a rule of thumb.

The full Pension Command workspace: a retirement readiness check that ranks your biggest levers in pounds, the earliest retirement age that meets your target take-home, a retirement-age grid for 55 to 67 with lump sums and take-home, three editable pay scenarios and four saved plans to compare, lump-sum break-even with tax-free limits, income across retirement with State Pension and the pension increase you choose, death grant and survivor's pension for England FPS 2015, an annual benefit statement reality check, a McCloud checklist with a request template, unlimited AI questions grounded in your figures and a printable briefing with a cover page that you can save to your account. One payment, no subscription.

The free pension calculator at /pensions/calculator/ stays open to everyone: projected pension, today's-money value, an on-track check against your target income with three levers, three retirement ages, the maximum lump sum, contributions, a printable one-page summary and saving your result to a free account, for all four nations and for FPS 2015 with FPS 2006 or 1992 service. Premium adds the ranking, solver, comparison, planning and reporting on top.

£39, one payment, VAT included. There is no subscription and nothing renews. Access is tied to your account, so it works on every device you sign in on, and checkout is secured by Stripe. You can pay as a guest and create a free account afterwards.

Contact us through the contact page with your purchase details and we will look into it. Our terms set out cancellation and refund rights, including your rights if a product is faulty or not as described.

No. It is an independent modelling tool using published scheme rules and assumptions you set. Your annual benefit statement, remediable service statement and your administrator's written quote are the official figures and will differ because they use your pay history and service record. The statement reality check helps you see where and why they differ.

England, Wales, Scotland and Northern Ireland for FPS 2015 (each with its own accrual rate, normal pension age and contribution structure), plus FPS 1992 and FPS 2006 legacy slices for England, Wales and Scotland with the double accrual guarantee for FPS 1992. Northern Ireland legacy (2007) service is not modelled. Death benefit figures are verified for England only.

It compares legacy and FPS 2015 pension for the remedy period 1 April 2015 to 31 March 2022 on your assumptions and shows the better option, and it gives you a checklist and a ready-to-send request for your administrator. It does not replace your remediable service statement, which also covers lump sums, contribution adjustments, interest and tax.

England and Wales use the LGA factors from November 2023. Scotland uses Government Actuary's Department factors dated 2019 and is labelled as possibly superseded, so ages before 60 are not offered in the earliest-retirement solver for Scotland. Northern Ireland has a normal pension age of 55, so none applies. The FPS 2006 slice has no verified factor, so you enter the reduction from your quote. Factors change, so confirm with your administrator.

Your inputs, plans and statement figures are kept in this browser. If you use the AI assistant, your figures (not your name or contact details) are sent to it so it can answer. If you save a briefing or plans, they are stored in your account. Analytics record coarse buckets only, never the amounts you type.

You can pay as a guest and start straight away. A free account afterwards keeps your access on every device and lets you save briefings and plans. If you already bought, use Sign in to restore on the unlock card.