Free Financial Tools

The financial decisions you must make at retirement are complex and difficult to navigate. Our powerful tools and calculators can show you what you need to consider, helping you avoid the pitfalls and make the most of your savings.

Advice Bridge

Retirement Health Check Calculator

See if you are on track for retirement and get some suggestions to improve your financial resilience.

Lump Sum Calculator

Considering taking a lump sum payment from your pension? We’ll help you understand how much tax you might have to pay, the impact on your future retirement income and what the right level of risk for your remaining pension might be.

Tax Optimiser

Personal taxation is highly complex with many interactions between tax bands and allowances. Use the tax optimiser tool to see if making additional pension contributions can be highly tax efficient by gaining allowances or child benefit.

These tools and calculators should be used as a guide only and do not constitute a personal recommendation or personalised financial advice. You should not make decisions solely based on the results.