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In retirement

Your retirement could have brought with it some change. Our articles can answer some of the questions you may have.

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Retirement tools

Retirement planner

Tell us how much income you're looking for when you retire, give us a few personal details and we'll let you know if you're on track.

Start the retirement planner  

Pension calculator

Tell us a bit about yourself and we’ll give you an idea of what income you could get when you retire.

Start the pension calculator  

Equity release calculator

Equity release is a long-term loan that allows over-55 homeowners to access some of their property value, tax free. Get an estimate within minutes with our free online calculator.

Start the equity release calculator  

More topics

Our articles and guides will help you brush up on your financial knowledge about pensions, life insurance and more. Here you'll find lots of useful guidance and tips to help you understand your money better.

Pensions

Bereavement

Life insurance

Equity release

Investments

Your money

'Good with your money' guides

Financial wellbeing

'The penny drops' podcast

Our products

Using your pension

When it comes to accessing your pension savings you can:

  • Take a cash lump sum
  • Get flexible access to your savings
  • Buy a secure income
  • Leave your money invested until you decide to take it.

Whatever you decide to do, you can usually take up to 25% of your pension savings completely tax free.

Find out more about using your pension  

Using your property

There are more options than ever when it comes to using property as part of your retirement plan, including:

  • Equity release
  • Retirement Interest-Only Mortgage (RIO)
  • Traditional mortgage.

Our Later Life Lending service, provided by Responsible Life, is designed to help you explore these options and find the one that's right for you.

Make the most of your property in retirement  

Find the support you need

Find a financial adviser

We strongly recommend talking about your retirement options with a professional financial adviser.

Find a financial adviser  about Find a financial adviser

Pension Wise

Pension Wise (external site) is a government service from MoneyHelper that offers free, impartial pensions guidance.

Visit Pension Wise  about Pension Wise

Retirement planner

Tell us how much income you're looking for when you retire, give us a few personal details and we'll let you know if you're on track.

Use our retirement planner  about Retirement planner