Whether your pensions will cover the retirement you want, and by how much they miss.
Two numbers decide this. What your pensions are worth, and what the life you want will cost. Most people have never put them side by side.
It grows what you already hold plus what you pay in, then takes 4% a year out of the result. That 4% is a common planning assumption. Nobody is promising it. Drop the growth rate a couple of points and watch how much the answer moves.
Everything is in today's money, so you can hold the answer up against what you spend this year.
It cannot tell you the most efficient way to close a gap, which is usually the interesting part — the order you take benefits in, what tax relief is available to you, and whether an old scheme carries guarantees worth more than anything you could replace it with.
This is information. It is not a personal recommendation. Whether any of it is right for you depends on your circumstances.
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. We will tell you honestly whether we can help.