It’s really important to understand your options when it comes to planning your retirement. Whether you’re beginning to contribute to your first pension or looking for the best ways to access your pension savings, our free tools and resources can help you plan when you would like to retire and how much you’ll need when you do decide to stop working.

Free retirement planning course
Retirement Planning Made Easy is our free online course with The Open University. It will help you understand how much you might need in your pension pot, and what to do if your retirement savings fall short. It also covers the impact that divorce and bereavement can have.

Retirement income calculator
Our calculator provides a helpful estimate of your potential retirement income. Knowing how much money you’ll have in retirement can help you plan when you would like to retire, and how you would like to spend your retirement.
Award-winning podcast
Join Angellica Bell as she meets people with some big financial questions – and money experts who have the answers. Listen in as they cover everything from staying financially healthy as the cost of living rises to the gender pension gap.
Plan for your retirement
- I'm thinking about retiring
- Are my retirement savings on track?
- I want to start saving for my retirement
- I’m retired and in need of some extra income
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Resources to help with money management
Budget planner
Try our budget planner to see if there’s areas where you might be able to reprioritise your spending.
Retirement income calculator
Understanding how much your retirement income will be will help you work out what age you can retire, and how you can access your pension savings.
Retirement income guide
Whether it’s working out what you have, understanding your options or thinking about your next steps, our free Guide to Retirement Income can help you on your way to a more colourful retirement.
More resources
What age can I retire?
Whether you're nearing retirement or considering working into your 70s and beyond, there's plenty to think about. We look at a few things that might help you choose the right retirement age.
What tax will I pay on my pension pot?
If you’re looking forward to retirement, it’s good to know the best way to take your money without paying too much tax on your pension savings.
Annuities vs drawdown
Many of us have spent the last few decades planning and carefully saving for the things that are important to us, whether that’s life’s luxuries, our mortgages and bills, or our plans for the future. As we get older we might have different priorities, but our financial planning for retirement should be just as important.
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Resources to help with money management
Budget planner
Try our budget planner to see if there’s areas where you might be able to reprioritise your spending.
Free Midlife MOT course
Your midlife years are likely to be busy. That can make it difficult to look beyond your day-to-day challenges and achievements. Our new course with The Open University will help you take a long-term view of where you're headed and what you need to do to get there.
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How to retire early
Early retirement brings a wealth of benefits, but there is also a lot to consider. We guide you through the process of how to retire early.
Can I opt out of my pension?
Can you opt out of your pension? We help you decide whether cancelling your pension is a good decision for you.
Looking after your pension in uncertain times
The last few years have been particularly challenging for pension savers, and it can be worrying to see the value of your pension investment falling. But it’s important to remember pensions are a long-term investment that will go up and down.
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Resources to help with money management
Budget planner
Try our budget planner to see if there’s areas where you might be able to reprioritise your spending.
Rewirement podcast
Angellica Bell’s money experts answer our guests’ big questions. Like, can I opt out of my pension? Should I cancel my life insurance? And how can I get on the property ladder?
Invest in a Personal Pension
Whether you're self-employed and saving for your retirement, or looking for a place to bring all your pensions together, our Personal Pension is a simple way to save for retirement.
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Should I be saving into a pension?
If you're not already saving into a pension, or aren't sure how much you should be saving, read our article on saving into a workplace or personal pension.
Can I opt out of my pension?
Can you opt out of your pension? We help you decide whether cancelling your pension is a good decision for you.
Looking after your pension in uncertain times
The last few years have been particularly challenging for pension savers, and it can be worrying to see the value of your pension investment falling. But it’s important to remember pensions are a long-term investment that will go up and down.
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Resources to help with money management
Equity release calculator
Find out how much you could release with our easy to use equity release calculator.
Budget planner
Try our budget planner to see if there’s areas where you might be able to reprioritise your spending.
Pension Credit: What is it and can I get it?
If you’re not sure what Pension Credit is or want to find out if you’re eligible, our guide will explain how to claim this State Pension top-up.
More resources
Colourful retirement stories
We share the stories of people who are living inspiring and varied retirements, from travelling the world to volunteering in their communities or returning to education.
Working after retirement
Considering returning to work in retirement? We look at the advantages, as well as the disadvantages to working in retirement.
Is equity release right for you?
Although the market now offers greater flexibility, more choice and increasingly competitive rates, myths around equity release remain. Here we set the record straight and explain how equity release can help boost your finances.
Articles

Managing your money in uncertain times
What’s your financial safety net? Use our useful tools to help you understand your money better.

Pension fees and charges explained
There are many types of pension fees and charges to be aware of. We explain all the potential fees to help you get the most from your pension.

How to track down your old pensions
If you’re beginning to think about your retirement, having a good understanding of how much your pension is worth can make planning easier and more exciting.

How to protect savings from inflation
Unsure about the impact of inflation on savings? We help you consider how to protect your savings from inflation and beat the rising rates.
Additional support
Free guidance
Pension Wise from MoneyHelper is a free and impartial service from the Government, offering guidance to make money and pension choices clearer.
Taking financial advice
You might find it helpful to seek out professional financial advice to understand what’s best for your circumstances. Unbiased can help you find an independent, qualified adviser who's regulated to give advice.
Help with the cost of living
Citizens Advice offers information and support if you’re struggling with the cost of living.