Find out how Universal Credit works and how to manage your payment
Entitlements to help with the cost of pregnancy or bringing up children
Understand what support is available for coping with ill health
You may be entitled for help with other costs on top of your State Pension
Extra support if you’re working, self-employed, or you’ve lost your job
Support to help with rent or mortgage payments if you’re on a low income
What to do if something goes wrong with your benefits
All Benefits guidance
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Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions
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How to buy and finance a car, deal with problems with car finance, and cut running costs
Credit basics, applying for credit, credit ratings and problems with credit
Insurance for cars, health, travel, and help with insurance
All Everyday money guidance
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Having a baby, returning to work, childcare costs
Wills, inheritance, sorting out estates
Sorting out money and homes, what if you have children, money after break ups
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Paying and getting funding, ways to pay, problems with care
Credit cards, bank accounts, student debts
Difficult conversations, talking to teenagers, older people and partners
All Family & care guidance
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All Homes guidance
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All Money troubles guidance
Introduction, how it works, all about contributions
How much do you need, ways to build your pot, transferring and merging
Starting a pension, types of pension, understanding pensions
Complaints, financial help when retired, changes to schemes
How it works, what you might get, National Insurance
Ways to draw your pension, when can you retire, Pension Wise appointments
Tax allowances, tax paid on pensions, tax relief
All guidance, including how to use the Pension Wise service
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Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.
Getting started, getting the most out of savings, problems
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Help with meeting goals, tax-friendly saving, saving for children
All Savings guidance
Basics, benefits, tax and National Insurance
What to do, alternatives, redundancy pay
Starting out, insurance, tax, self-assessment
All Work guidance
Please check the form for these errors
Age is one factor for calculating retirement income. The older you are, the higher the income quotes you'll get. If you are aged below 55 accessing your pension pot is not normally a good idea and our tables won't provide quotes. We suggest you speak to a regulated financial adviser before proceeding if you are aged below 55.
You will be {0} years old
You will be {0} years old. Our tables don't provide quotes if you are aged below 55 - in this case you should get advice
You could get a better rate and save on admin costs by merging pension pots to buy one larger annuity. However, if any of your schemes offer loyalty bonuses or a 'guaranteed annuity rate' you could lose out by combining - check the facts and get advice if in doubt. Only include pension pots from a defined contribution or personal pension scheme (including stakeholder pension). Do not include State Pension or a pension based on final salary or career average earnings.
Your pension pot size probably isn't large enough to get good value from an annuity. If you have other pots you could think about combining them. See Options for using your pension pot to understand your other choices and to find our where to get help or advice.
You can choose to have your income paid in advance or in arrears. This might make a small difference to the amount of income you receive. We suggest you run a couple of comparisons to see what effect this might have.
Your postcode can affect your income
