Annuity or Not Calculator

The Intelligent Pensions Annuity or Not Calculator is designed to indicate whether buying an annuity at retirement is the right option for you.
By completing four simple steps, you will be given an outcome with supporting information and recommended next steps. You can even go back and try different scenarios to see how your result would change.

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Step 1 of 5

Your priorities

Please number these statements in order of importance to you from 1 (highest priority) to 6 (lowest priority). Help

  • Help On death (or second death if you are married or in a civil partnership) I want my pension fund to be preserved for my family

  • Help I would like to have the flexibility to vary my pension income to suit my changing needs in retirement

  • Help I want my pension income level in retirement to be completely secure

  • Help I would like to achieve further growth in the value of my pension benefits even after retirement

  • Help I want to have the opportunity to delay buying an annuity in the hope that annuity rates improve

  • Help I want to be able to take my tax free lump sum but delay taking my pension for a period

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Step 2 of 5
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Your attitude to investment risk

  • Help On a scale of 1 (low risk) to 5 (high risk) my attitude to investment risk is

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Step 3 of 5
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Your financial resources

Please complete the following values (excluding the value of your pension fund) so that we can determine whether an annuity would be suitable for you. Help

  • Help Net value of your cash and investments

    £

  • Help Property (apart from your main residence)

    £

  • Help Expected state pension(s) including your spouse or partner

    £ p.a.

  • Help Other inflation proofed pensions you or your partner expect to receive in retirement

    £ p.a.

  • Help Non inflation proofed pension you or your partner expect to receive in retirement

    £ p.a.

  • Help Other current or future assets or investments

    £
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Step 4 of 5
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Your pension funds

  • Help Current value of your pension fund(s) - the total value of your 'money purchase' or 'personal pension' accounts

    £
Back Your results
Step 5 of 5
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Your results

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