Scenario Builder
Save and compare retirement options side by side. Scenarios remain in this browser.
Saved comparisons
Create options such as retiring at 60, retiring at 62, or partial retirement.
Scenario comparison
| Scenario | Age | Annual pension | Salary / other | Combined income | Monthly | Lump sum |
|---|
Scenarios compare figures entered by the user. They do not confirm pension entitlement, tax treatment or availability of a retirement option.
Retirement Dashboard
Enter a small set of planning assumptions to create a personalised route through Pension Compass.
Your retirement snapshot
Your next steps
Your pension toolkit, all in one place.
Explore pension and compensation scenarios through clear, transparent tools that run in your browser.
Lump sum explorerLive
Compensation calculatorLive
EPA EstimatorLive
Added Pension EstimatorLive
Partial Retirement PlannerPreview
Early Retirement ExplorerPreview
ARR Buy-Out PlannerPreview
Tax & Allowances HubOfficial links
Choose a tool
Four tools are now available. The remaining services stay marked as roadmap placeholders.
Lump sum explorer
Explore how a chosen lump sum could affect annual and monthly alpha pension figures.
Open calculator →Compensation calculator
Illustrate Voluntary Exit, Voluntary Redundancy and Compulsory Redundancy awards.
Open calculator →Early Retirement Explorer
See how an early-payment factor could affect annual pension and standard lump sum.
Open explorer →EPA Estimator
Estimate EPA-1, EPA-2 or EPA-3 contributions using the 2026 cost tables.
Open estimator →Added Pension Estimator
Convert between a one-off payment and annual added pension using the supplied factor tables.
Open estimator →Partial Retirement Planner
Compare salary, pension drawdown and combined income before and after reshaping your job.
Open planner →Early Retirement Buy-Out Planner
Plan how compensation, employer top-up and personal funds could meet an official ARR buy-out quote.
Open planner →Tax & Allowances Hub
Go to current GOV.UK guidance on pension annual allowance, carry forward and the money purchase annual allowance.
Open guidance hub →Lump sum explorer
Your pension snapshot
Illustration only. This does not calculate the maximum permitted lump sum or confirm entitlement.
Compensation calculator
Estimate an award under Voluntary Exit, Voluntary Redundancy or Compulsory Redundancy using the source workbook rules.
Estimated award
How this was calculated +
EPA Estimator
Estimate the additional contribution for an EPA-1, EPA-2 or EPA-3 option.
Estimated additional contribution
of pensionable earnings
How this was calculated +
Added Pension Estimator
Estimate annual added pension from a one-off payment, or the one-off payment needed for a target annual pension.
Estimated result
How this was calculated +
Partial Retirement Planner
Compare your income before and after reshaping your job and drawing part of your pension.
Estimated combined annual income
Income projection
How this was calculated +
Early Retirement Explorer
Compare unreduced benefits with an illustrative early-retirement outcome.
Estimated reduced annual pension
How this was calculated +
Early Retirement Buy-Out Planner
Use official quoted buy-out costs to model funding from compensation, employer top-up and personal funds.
Official buy-out cost funded
Funding breakdown +
Tax & Allowances Hub
Pension Compass does not calculate tax liabilities. Use these official GOV.UK and HMRC resources for current rules and guidance.
Annual Allowance
Read the official guidance on the annual allowance, what counts towards it and what happens if pension savings exceed it.
Open Annual Allowance guidance ↗Carry Forward
Read HMRC's detailed guidance on carrying forward unused annual allowance from previous tax years.
Open Carry Forward guidance ↗Money Purchase Annual Allowance
Read HMRC's guidance on when flexible access can trigger the money purchase annual allowance rules.
Open MPAA guidance ↗What this hub does not calculate
Tax due, Annual Allowance charges, Carry Forward, tapered Annual Allowance, MPAA charges or any HMRC liability.
For individual tax decisions, use official guidance and consider regulated professional advice.
Calculation sources
Compensation calculator
The engine translates the formula layers from the April 2024 Voluntary Exit and VR/CR workbooks. It includes salary thresholds, tariff caps, pension-age tapering, part-time restrictions, qualifying service and statutory redundancy comparison.
Lump sum explorer
The alpha illustration uses £12 of lump sum for each £1 of annual pension exchanged. It does not calculate the maximum amount.