Find out in 2 minutes. See your true annual fees, lifetime drag, and a clear retirement income estimate — across all 65 UK pension providers.
Fee discovery engine
Retirement income estimate
Improvement scenarios
Retirement plan builder
Takes 2 minutes · No personal data stored
Step 1 of 3 — Find your pensions
Search your pension providers
Type a provider name. We'll find the plan and auto-fill the typical fee.
Select your plan at
Typical fee auto-filled:
Typical market estimate. Your exact fee may differ depending on employer terms and chosen funds.
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Step 2 of 3 — Enter balances
£
Not sure? Your best estimate works fine.
Step 3 of 3 — Retirement assumptions
Two quick questions…
Used to model your retirement projection.
Years until retirement
20yrs
1 yr45 yrs
Monthly contribution
£200/mo
£0£2,000/mo
We use a 5% annual growth assumption — the standard UK regulatory illustration rate.
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Plan saved — code: ——
Use this code to restore your plan and update your information
Projection mode
✓
Pension scan complete
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Estimated lifetime fee drag
Calculating…
Compounded projection · 5% growth assumption · fees at current rate to retirement
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lost to fees
illustrative · pre-tax
Lifetime fee impact
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Estimated growth lost to fees over 20 years
≈ yrs of income
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Annual cost
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Fee rate
Projected retirement income
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per year · 4% drawdown
£14.4k
£31.3k
£43.1k
Health score
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Snapshot
Score
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Income
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Fee drag
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Pots
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No personal account numbers included.
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Provider Comparison Check
Benchmark your pension against the market · fees, returns & risk
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Provider comparison: returns after fees and inflation
Illustrative category benchmarks. Net return = 10yr return − annual fee. Real return = net return − 2.5% inflation. Past performance is not a guide to future returns. Click column headers to sort.
💡 Fee optimisation opportunity
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Lifetime fee drag chart
Click to view
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Retirement projection chart
Click to view
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Retirement projection
Cumulative fee drag (£) over time
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Risk vs. net return — bubble chart
Provider scatter: fee size · net return · volatility. Click to expand.
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See how to Improve your Pension
Model contributions, consolidation, retirement age and fees — see the real impact on your retirement income.
📈 Contribution modelling
💰 Fee optimisation
⏳ Retirement timing
🏦 Open Banking
Illustrative modelling only · Not financial advice
Your plan
Build your retirement plan
Adjust the levers below to close your retirement gap. Your suitability profile and gap analysis are pre-applied.
Save your plan code and see your next steps
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Your Risk Profile
Answer 5 suitability questions so we can match your pensions to your risk appetite.
Sell everything immediately
Sell some to reduce exposure
Hold and wait for recovery
Buy more at lower prices
UK pension rules · Your answers are not stored externally
Retirement Plan Builder
1
Basics
2
Goal
3
Risk
4
Plan
5
Save
Tell us about you
We'll use this to personalise your retirement projection.
Employer contributes too?
Include employer pension contributions
Your affordability check AIS data
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Avg monthly income
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Avg monthly spend
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Monthly surplus
Read-only. We can't move money. This is modelling, not advice.
📋 Suitability profiling
Sell everything — I can't afford to lose more
Hold and wait for recovery
Buy more — lower prices are an opportunity
Your risk profile
Based on your answers
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out of 100
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Complete the questions above
0 Low2550 Medium75100 High
What's your income goal?
Based on PLSA Retirement Living Standards for a single person in the UK.
Minimum
Basic needs met · some social activities
£14,400
Moderate
Some holidays · comfortable living
£31,300
Comfortable
Regular holidays · financial freedom
£43,100
I'm flexible on retirement age
Retiring 1–3 years later could significantly close the gap
Your risk profile
Calculated from your suitability answers. This determines the growth rate used in your projection.
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Risk score
Complete profiling first
Go back to Step 1 to fill in suitability questions
0 Low Risk2550 Medium75100 High Risk
Modelled growth rate: 5% annual (FCA standard illustration rate)
Balanced (3) — we model 5% annual growth, the standard UK regulatory illustration rate.
Interested in sustainable / ESG investing?
Optional · for adviser matching only
1
2
3
4
5
Your retirement plan
Here's where you stand — and what could close the gap.
Projected income
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at retirement
→
Your target
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lifestyle
gap
Annual shortfall
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per year
£0Target
⚠ Gap to close
Three levers to close the gap
Illustrative modelling — not financial advice. 4% drawdown assumption. Projections use risk-adjusted growth rates. Actual returns will differ. Always consult an FCA-authorised adviser before transferring or restructuring pensions.
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Save your plan
We'll generate a restore code so you can come back to this plan any time. Optionally, send it to your email too.
Send me my plan summary and suggested next steps by email. You can unsubscribe at any time. We will not share your data with third parties without your consent.
A restore code will be generated regardless of whether you enter an email. Your pension scan data is stored locally in your browser only — no account is created without your consent.
Pension Health Check
Pension Health Snapshot
Pension Health Score
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out of 10
Projected Retirement Income
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per year (4% drawdown)
Lifetime Fee Impact
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lost to fees
Pension Pots
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UK avg: 5–6 over career
Analysing your pension health…
Step 1 of 3
1
Pensions
2
About you
3
Your plan
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Build your retirement plan
In 3 quick steps we'll turn your pensions into a plan for income that lasts — built around what you actually spend.
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See your real spending
Connect your bank and we use your real essential and lifestyle spending — not a guess — to size the income you need.
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Secure your essentials
We work out how much guaranteed income secures your essential bills for life, and how much stays flexible.
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Make it last for life
See how long your income lasts, stress-tested against living longer and early market falls.
🔒 No data stored externally·⏱ Takes 2 minutes·📋 UK pension rules·🧮 Built by quants
Common retirement questions
How much do I need to retire?
It depends on the income you want in retirement, the age you stop work and the size of your pension pot. There is no single number — the right amount is personal. This free tool estimates the pot and income that could support your target spending so you can see whether you're on track. Projections are estimates, not guarantees, and the value of investments can go down as well as up.
Can I afford to retire?
Whether you can afford to retire depends on your expected spending, the income your pension and other sources could provide, and how long that income needs to last. The tool compares your projected retirement income against your spending and models how long your money could last, giving a personalised estimate of where you stand. It is an educational illustration, not financial advice, and the value of investments can go down as well as up.
How long will my pension last?
How long your pension lasts depends mainly on how much you withdraw each year, the returns your investments achieve and how long you live. Drawing too much too soon can run a pot down quickly. The tool projects how long your income could last across thousands of market scenarios so you can stress-test your plan. Projections are estimates and not guaranteed — the value of investments can go down as well as up.
The value of investments can go down as well as up. This is an educational illustration, not financial advice or a personal recommendation.
Add your pensions
Enter your pension providers and pot values. Your best estimate is fine — you can edit later. Leave fee blank if unsure.
+ Add manually
📄 Upload statement
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Scan Pension Statement
Upload, paste, or capture a screenshot
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Drop statement here, or click to browse
Photos of paper statements, PDFs, or screenshots of pension portals
🖥 Capture screen
⌘V Paste
Scanning…
Reading document…
Couldn't detect pension details. For best results, upload a PDF statement from your provider (text is extracted locally). Image scanning works when connected to the AI service. You can also use "+ Add manually".
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Connect Your Bank
Secure Open Banking · read-only · FCA regulated
Your bank
🔒 Read-only·No card details stored·Cancel anytime
⚠️Simulated mode — no real bank connection is made. Sample pensions will be shown for illustration.
£0
Total pot
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Weighted fee
0
Pensions
Tell us about you
We'll use this to match your pensions to your risk profile and show you better-fit alternatives.
About you
Current age
Stop work / start drawing at
Are you still working?
Working full-time
Working part-time
Not working — not yet retired
Fully retired — drawing now
If you're still working, your salary covers your spending and your pots keep growing — we only start drawing from your retirement age above.
Your spending
What you actually need each month. Connect your bank in step 1 to auto-fill, or estimate here.
Essential spend (£/mo)
Lifestyle spend (£/mo)
Your situation — powers the stochastic model
Investment approach (sets market volatility)
Cautious — steadier, lower growth
Balanced — mix of growth and stability
Adventurous — higher growth, bigger swings
Other secure income (£/yr)
Plan to age
Do you expect to receive the UK State Pension?
Separate from any NHS / Police / workplace scheme above. This doesn't change your risk score — it's the guaranteed income floor your plan is built around.
Yes — full new State Pension (≈ £11,500/yr)
Yes — partial (incomplete NI record)
Unsure of my entitlement
No — not entitled
Your profile
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Score: —/100
Volatility: —
Here's your retirement plan
Built around your pots and your spending — your essentials secured for life.
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Total pot
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Starting withdrawal rate
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Your plan is saved
Your retirement plan code is below. Use it to restore your modeller results or share with an adviser.
Your plan code
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⬆ Copy your code before sharing your plan
📡
Send plan to your advisor
Share your retirement plan with your own advisor/provider, or let us route it to a suitable advisor.
✓ Sent to your advisor
Recommended
Talk to a regulated adviser
Share your plan code with an adviser for a personal recommendation based on your results.
Tax agent
Check your tax optimization
Find the most tax-efficient way to draw income across your pensions, ISAs and allowances through the year — runs the Exnet Tax agent on this plan.
Pension agent
Check your pension optimization
See whether your pots are in the right funds at the right fees, and if consolidating lifts your outcome — runs the Exnet Pension agent on the same pots.
Your plan
Back to your retirement plan
Return to your results and keep modelling — adjust spending, investing, longevity, fees and tax, and watch your plan update.
PENSION TRANSFER
Consolidate pension pots
🔗
Consolidation Simulation — Consult with an advisor, your employer or pension fund to consolidate your pension pots.
Select pots to transfer
Transfer progress
Agent Tracker
Status & history
Track your retirement actions from summary to review to completion.
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Restore your plan
Enter the 8-character code from a previous session to restore your pensions, risk profile, and modeller results.
PENSION WITHDRAWAL
Access your pension
⚠️
Important — Withdrawing from your pension is a significant financial decision. Tax treatment depends on the withdrawal type. This is a demo simulation — actual withdrawals require provider verification and may take 5–15 working days.
🏦 Connect Your Bank
Enhance your analysis with real spending patterns
We use secure Open Banking (read-only) to estimate your monthly savings capacity and personalise the investment potential scenarios below. No transaction details are shared — only anonymised spend category breakdowns.
🔒 Read-only accessFCA Open BankingNo card details storedCancel anytime
I authorise the sharing of my anonymised spend category breakdown (e.g., housing, food, transport, subscriptions) to personalise my retirement investment capacity estimate. No transaction details or account numbers will be shared. This connection is read-only and does not affect my account.
⚠️Simulated mode — no real bank connection is made. Sample data will be shown for illustration.
SHARE PLAN
Where should we send your plan?
Share your retirement plan with your own advisor/provider or let us route it to a suitable advisor.
This report sets out the facts about your retirement position. Whether any option is suitable for you — and what, if anything, to do — is a personal recommendation only a regulated adviser can make. That’s what this hand-off is for.
Your plan code
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Auto-attached to your email · advisor uses this to view your plan
Advisor / provider details
Select your advisor *
A list of registered Exnet partner advisors will appear here soon. For now, enter your own advisor's details, or let Exnet route your case to a suitable partner.
Advisor or provider name *
Advisor email address *
Your details
Your name *
Email address *
Phone number
Your plan is always saved to Exnet Core automatically.
✅
Plan sent successfully
Track your retirement action from summary to review to completion.
Tracker Agent · Live
Retirement Progress
Track your retirement action from summary to review to completion.
Current status
Just now
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Advisor
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Next step
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Timeline
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Exnet routes your retirement summary to a suitable partner — we don't provide instant advice or guarantee a match. Continue with your chosen advisor at any time.
EX
Exnet Retirement Agent
Trained on UK retirement rules
AI answers are educational, not personal advice. Speak to a regulated adviser for decisions.