The Free Pension Calculator. Build a plan, keep more of your money.
Free forever to all our subscribers
We build plans for better retirements. Here are some of our user reviews.....
"Blown away by its simplicity, clarity and no-nonsense honesty. Hats off to the designers / developers. Will certainly recommend to others."
"Superb tool to plan pension drawdown. Many thanks to the people who created it and provide it for free. Will be recommending it to my friends."
"The best pension/wealth modelling site I have tried to date and I have tried quite a few."
"The only pension calculator that takes into account savings and pension pots as well as the requirement to put aside and secure a savings pot... excellent, clear, practical approach giving you year by year drawdowns seeing how your pension and savings are affected each year. Bravo!!"
"I'm a professional trustee and pensions lawyer. This is the best software I have seen on the internet to help people understand their financial position with regard to pensions and investments. It is far superior to anything being provided by insurance companies and IFAs online."
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How does our free pensions calculator work?
Take advantage of pension freedoms
The sole purpose of Guiide is to help people take advantage of the pension freedoms as easy as possible, whilst reducing the risk they run out of money in retirement. This should not be something people have to pay for, if they wish to do it themselves.
The aim is that it will always be free to anyone you wishes to use it.
Keep more of your money
Guiide shows you how to make your plan more tax efficient, where possible, so you pay less in tax and keep more of your money.
Guiide also shows you how to save money using a low cost provider. This is to make it as easy as possible to put everything together to give you what you want in retirement by following the tax efficient plan you have made using Guiide.
After building your plan, see how much you can save over your plan's lifetime by putting this in place with a low cost provider and keep more of your money.
Free to choose
You are completely free to take your plan from Guiide and choose any provider to put your plan in place with if you prefer to do so, rather than any that Guiide suggests.
What data do we need?
Your data is completely safe with Guiide.
The only data we request are amounts of pensions, savings and income to enable Guiide to undertake your calculations and design your retirement income.
Guiide never asks for sensitive information on where your pensions or savings are, account or policy numbers as it does not need this to perform the calculations. This means there is no risk of any loss of sensitive account or policy information.
Guiide asks for an email address to verify you are a real person, but will never send you spam or other unwanted emails.
What data do we share?
Guiide will never share any of your data with anyone, unless you explicitly ask us to share the calculations themselves in order to help put your plan in place with a provider.
Any data which is provided is fully secure with industry leading encryption.
To read the full terms of our data policy click here.
Guiide Protect you from running out of money in retirement
It does this by testing to see if your pots would likely run out given what you want to take.
If you are expected to run out of money, you can solve this easily and adjust your plan to avoid this happening.
You can see how your money is expected to run down over your retirement years and set aside any money that you want to protect if you prefer.
You can also test what happens when things do not go as expected and adjust your plan if any of these outcomes are a concern for you.
Once your plan is in place, you can track it easily to see if it is still expected to work out.