For employers and HR teams

Last updated 3 November 2026.

Helping people approaching retirement understand their pensions is one of the kindest things an employer can do. It's also one of the trickiest, because anything that collects staff financial data comes with a data protection headache, and anything with a sales pitch attached is awkward to recommend.

Will My Pension Last? is a free retirement calculator built to avoid both problems.

Why it's easy to share

• It collects nothing. The calculator runs entirely in the browser. There's no server that receives what people type, no account and no email address. We can't see anyone's figures, and neither can you.
• There's nothing to sell. No pension products, no advisers, no call-backs, no affiliate links. It's paid for by a few clearly labelled adverts, which never appear inside the results.
• It's general information, not advice. It shows scenarios and trade-offs and never tells anyone what to do. It points people to free, impartial help from MoneyHelper and Pension Wise.
• It speaks plain English. No jargon without an explanation, and the odd joke to keep people reading.

What your staff can do with it

• See how much income their pensions, savings and State Pension could give, after tax, in today's money.
• See a range of outcomes, not one number: the calculator runs 1,000 possible futures for markets and inflation, using the FRC's AS TM1 growth assumptions behind UK pension statements.
• Plan as a couple, include final salary pensions, ISAs, rental income and one-off costs, and see the tax, including Scotland's separate bands.
• Try "what if I retire at 63?" without losing their plan.
• Save a copy as a file or a PDF, kept on their own device.

Copy for your staff newsletter or intranet

Paste this as it is, or change it to suit:

Running a session or a lunch-and-learn

• Use example plans. The How long will my pot last? pages show real figures for pots from £100,000 to £1 million, each with a link that opens the example in the calculator.
• Share a plan of your own. Set up an example and use "Copy a link to this plan". The link carries the figures inside it, so it opens with everything filled in. Anyone with the link can see those figures, so use made-up ones.
• Point people to the guides. The pension numbers page explains the main allowances and limits without the jargon, and the guides cover the State Pension, tax-free cash, drawdown and retiring early.

Put the calculator on your intranet

There's a mini version that fits in a page or sidebar: a few questions for one person or a couple, and the answer, with a button through to the full plan. Like the full site, it runs in the visitor's browser and nothing they type is sent anywhere. It shows no adverts and sets no cookies. Paste this where you'd like it to appear:

<iframe
  src="https://willmypensionlast.com/embed/"
  title="Will my pension last? calculator"
  width="100%"
  height="780"
  loading="lazy"
  style="border: 0; max-width: 520px"
></iframe>

Some intranets only allow approved sites in frames; your IT team can add willmypensionlast.com if so.

What it doesn't do

It doesn't know your scheme's rules. For a final salary (defined benefit) scheme, people enter the figure from their scheme's statement or a quotation. It works out income tax but doesn't model inheritance tax, and care costs are a simple yearly amount rather than a model of care funding rules. The methodology explains how it works and its limits.

Questions

Get in touch at hello@willmypensionlast.com. We're happy to answer questions from HR and benefits teams.