Annuity Experts
Annuity Calculator
How Our Annuity Calculator Works
If you’re considering buying a lifetime annuity, it’s helpful to have a rough idea of what income your pension pot might provide. Our annuity calculator offers a quick, anonymous estimate—no personal details required.
Simply enter your age and the size of your pension fund, and you’ll see an estimated range of annual income based on current rates from leading UK annuity providers.
What Does the Calculator Assume?
To keep things simple, the calculator is based on the most common type of annuity: a standard single-life lifetime annuity, with no inflation protection and no income passed on to a partner or spouse.
It also assumes that you’re in good health. That means it won’t reflect any enhancements you may be entitled to based on medical conditions or lifestyle factors, such as smoking, high blood pressure, or certain medications.
If you have any health concerns—or even if you take regular medication—it’s worth knowing that you may qualify for an enhanced annuity, which could offer significantly higher income than a standard plan.
What the Results Can—and Can’t—Tell You
The calculator is designed to give you a general sense of what your pension might generate as guaranteed income for life. It’s not a personalised quote, and the figures shown don’t reflect all the options available to you—such as joint-life annuities, escalating payments, or annuities with guarantees.
To get a more accurate figure, you would need to speak to an annuity provider or a financial adviser who can take into account:
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Your full health and lifestyle information
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Any dependants you wish to include
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Your preferences around inflation protection or guaranteed periods
Pension Annuity Calculator
I'm years old.
My pension pot is worth around
Your annuity income is likely to be between:
Based on annuity income rates of 7.7% for a £100,000 pension pot, scaled to your amount.
Can I Get a Personal Quote Using This Calculator?
The calculator is intended to give you a quick estimate based on current annuity rates, using only your age and pension pot size. It doesn’t produce a personalised quote.
If you’d like a figure that reflects your individual circumstances—such as your health, lifestyle, or any specific options you may require—you’ll need to use a service that collects more detailed information. This could include providers such as Legal & General, Aviva, or Retirement Line.