Whether your pensions will cover the retirement you want, and by how much they miss.
It grows what you already hold plus what you pay in at the growth rate you set, after inflation, then takes 4% a year out of the result. That 4% is a common planning assumption and nothing guarantees it. Lower the growth rate and see how much the answer moves.
Everything is in today's money.
It cannot tell you the most efficient way to close a gap: the order you take benefits in, what tax relief is available to you, and whether an old scheme carries guarantees that a replacement could not match.
This is information. It is not a personal recommendation. Whether any of it is right for you depends on your circumstances.
Debts to clear, plus the income that would have to be replaced, less what is already in place.
Work it out →What your estate would pay as things stand, and which bands you can use.
Work it out →The same company profit paid into your pension, as salary or as a dividend, and what each route leaves you after tax.
Work it out →Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.