Welcome to Pension IQ
Smart guidance to optimise your retirement.
1 min
As Pension IQ learns about you, our guidance becomes more tailored to you.
Pension strategy masterclass (Webinar)
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Hone your pension growth strategy.
With your exclusive online masterclass
covering everything you need to know to take control of your future.
Leave your legacy with confidence
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Our conversation guide breaks down how to talk about your pension legacy.
Inheritance tax
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Get an expert update on the upcoming changes to inheritance tax in 2027.
Leave your pension tax-efficiently
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Get a quick overview of how you can maximise your legacy with our handy infographic.
MPAA Risk cohort 3
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
MPAA Risk cohort 2
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
MPAA Risk cohort 1
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Taking Control cohort 3
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Taking Control cohort 2
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Taking Control cohort 1
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Refining Retirement Choices cohort 3
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Refining Retirement Choices cohort 2
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Refining Retirement Choices cohort 1
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Initial Retirement cohort 3
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Initial Retirement cohort 2
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Initial Retirement cohort 1
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Annual Allowance calculator
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Salary rise? Bonus? Increased pension contributions?
Check you’re not going over your Annual Allowance and avoid a tax charge with our Annual Allowance calculator.
Flexible retirement planning pack (Including yoga videos/guide)
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Looking to stay flexible in retirement?
Take a Sun Salutation break and read our flexible retirement planning pack to explore your options.
Taking a Break cohort 3
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Taking a Break cohort 2
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Taking a Break cohort 1
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Starting Career cohort 3
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Pay rise pension boost calculator
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Give your future self a pay rise
See how much of a boost you could give future you by increasing your pension contribution.
Starting Career cohort 2
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Retirement calculator
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Find out if you’re on track
For the retirement lifestyle you want with our easy to use retirement calculator.
Starting Career cohort 1
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Vivamus pharetra aliquam fermentum. Vivamus aliquam, turpis eget iaculis tincidunt, mauris mi tincidunt felis, quis lacinia dui metus quis lacus. Sed in libero ac sapien sagittis eleifend. Cras dapibus mauris convallis porttitor elementum. Praesent pellentesque odio quis lectus facilisis gravida. Fusce iaculis massa neque, et feugiat turpis tempus sit amet. Nunc volutpat, augue et egestas tincidunt, magna purus luctus tellus, et tincidunt velit odio a nibh. Nam faucibus vulputate enim, nec condimentum diam accumsan nec.
Tapered Annual Allowance
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Understand how tax allowances work
by checking out our recent Pension and ISA Tax Allowances factsheet
Salary exchange video
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Salary exchange could change your tax
Salary exchange, also known as salary sacrifice, could benefit you with tax savings.
Watch this video to see if it’s right for you.
Responsible investment report
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We put responsible investing at the heart of our pensions.
Read our report to find out how your pension is powering a better future.
Decumulation report
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Gain the confidence to turn pension savings into income
with our recent report that highlights common anxieties, barriers and the support available.
Overseas pension coaching
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Chat to a pension expert 121 to understand how your pension works while you are working overseas.
Managing your pension overseas
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Dive into the key considerations you need to think through before you make your move.
What happens to my pension if I move abroad?
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Get an overview of what happens to your pension if you move abroad by watching our on-demand presentation.
Make the most of your allowances
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Learn about the tax benefits of paying into your pension,
and any rules that apply.
Annual Allowance at a glance
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Get a quick overview of Annual Allowance and the latest limits
you need to follow to avoid going over and getting charged.
Know your limits: Expert on demand webinar
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Hear from a pensions expert in our on demand webinar
and learn the easiest way to keep tabs on your Annual Allowance.