about
pensions
Clear, independent pension guidance
Free · Independent · UK Pension Guidance
State pension, workplace schemes, retirement planning, and scam protection — explained clearly, without jargon or financial advice to sell.
Jump straight to the guides that answer your actual question.
Free calculators — no sign-up, no data sold.
The main way to find what you need — twelve sections covering everything from your first pension question to the most technical tax change.
State Pension
Rates, age, qualifying years, deferral and tax explained.
Pension Credit
Check eligibility, amounts, and how to claim what you're owed.
Workplace Pensions
Auto-enrolment, contribution rates, and finding lost pots.
Personal Pensions
SIPPs, tax relief, and saving when you're self-employed.
Accessing Your Pension
Annuity vs drawdown, tax-free cash, and access age.
Pension Tax
Annual allowance, inheritance tax changes, and emergency tax.
Retirement Planning
How much to save, income strategy, and calculators.
Public Sector Pensions
NHS, teachers, civil service, LGPS and the McCloud remedy.
Special Circumstances
Divorce, ill health, bereavement and other life events.
Pension Scams
Warning signs, common tactics, and what to do if you're targeted.
Tools & Calculators
Work out your numbers before you decide anything.
News & Regulation
The pension rule changes that actually affect you.
Cold calls about pensions have been illegal in the UK since January 2019 — any unsolicited contact about your pension is against the law, however professional it sounds.
Protect yourself — read the scam guideSix of our most-read guides, if you just want a straight answer.
How much is the State Pension?
The full new state pension amount and what affects yours.
Widely unclaimedWhat is Pension Credit and do I qualify?
Millions of eligible households aren't claiming. Check in minutes.
2027 changesPension IHT changes from 2027 — what you need to know
The biggest pension tax change in years. Check if you're affected.
Key decisionAnnuity vs drawdown — which is right for me?
The defining retirement income decision, explained clearly.
PracticalHow to reclaim emergency tax on pension withdrawals
First drawdown payments are routinely overtaxed. Get it back.
PracticalHow to find a lost pension
Step-by-step guide to tracing old workplace pension pots.
219 pension topics covered
Free and independent. No financial advice. No product sales. Learn more about us