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Calculators
Each calculator is a window onto the same engine that runs your Plenence plan: deterministic UK rules, every figure cited, every assumption listed.
Pension calculator
See what your pension pot could be worth at retirement and the income it could pay, in today's money, with UK tax and State Pension built in.
Open →Retirement calculator
Check whether your pensions, ISAs and savings can pay the retirement income you want, the age the money would run out, and what closes the gap.
Open →Inheritance tax calculator
Estimate UK inheritance tax on an estate, including the residence nil-rate band, spouse and charity exemptions, gifts within 7 years and pensions from April 2027.
Open →Pension tax relief calculator
Work out the tax relief on a pension contribution under relief at source or net pay, and the extra relief higher-rate taxpayers claim back.
Open →Salary sacrifice calculator
Compare salary sacrifice with paying into your pension yourself: income tax, employee and employer National Insurance, and take-home pay.
Open →Pension annual allowance calculator
Check your pension annual allowance this tax year, including the tapered allowance for high earners, the money purchase allowance and carry forward.
Open →Residence nil-rate band calculator
Work out the residence nil-rate band when a home passes to children or grandchildren, including the taper above £2 million and transfers from a late spouse.
Open →Net worth calculator
Add up your pensions, ISAs, savings and property, less what you owe, and see how much is accessible.
Open →Emergency fund calculator
How many months of spending your cash covers, how much more you need, and whether any of it is above the FSCS protection limit.
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