Pensions
All your pension pots in one place — track, project, and plan your retirement.
Combined Pension Pot
£287,450
↑ +£14,820 (5.4%) this year
Projected Annual Income
£14,370
At age 67 (drawdown 4%)
Tax-Free Lump Sum
£71,863
25% of combined pot
State Pension (est.)
£11,502
Full new state pension
Annual Allowance — 2025/26 Tax Year
Annual Allowance
£60,000
Standard allowance
Contributions This Year
£9,840
Employee + employer
Remaining Allowance
£50,160
Plus £18,200 carry forward
£9,840 used
£60,000 limit
Scottish Widows Workplace Pension Active
ACME Engineering Ltd · Ref: SW-7749201
£184,200
Your Contribution
5% (£223/month)
Via salary sacrifice
Employer Contribution
8% (£357/month)
Enhanced scheme
Tax Relief Gained
£1,394/yr
Via salary sacrifice
Ongoing Charge
0.32% p.a.
£589/yr at current value
Fund Allocation
Global Equity (45%)
UK Equity (25%)
Bonds (15%)
Property (10%)
Cash (5%)
Risk Level
Medium (4/7) — Balanced Growth
Recent Activity
Last 3 months5 Feb 2026
Employee Contribution
Your contribution
+£223.00
Bal: £184,200
Employer Contribution — ACME Engineering
Employer
+£357.00
Bal: £183,977
Platform & Fund Charge
Fee
-£49.12
Bal: £183,620
5 Jan 2026
Employee Contribution
Your contribution
+£223.00
Employer Contribution — ACME Engineering
Employer
+£357.00
Fund Growth (Jan)
Investment return
+£1,840.00
5 Dec 2025
Employee Contribution
Your contribution
+£223.00
Employer Contribution — ACME Engineering
Employer
+£357.00
M&S Pension Scheme Deferred
Marks & Spencer plc · Ref: MS-PP-440182
£62,400
Scheme Type
Defined Contribution
Money purchase
Years of Service
12 years
1998 – 2010
Ongoing Charge
0.45% p.a.
£281/yr at current value
Default Fund
M&S Balanced Fund
Mixed assets — medium risk
Fund Allocation
Global Equity (35%)
UK Equity (25%)
Bonds (25%)
Property (10%)
Cash (5%)
Risk Level
Low-Medium (3/7) — Balanced
Historic Activity
No active contributionsOct 2025 — Annual Statement
Fund Growth (2024/25)
Annual return · +6.2%
+£3,640
Mar 2010 — Final Contribution
Final Employee & Employer Contribution
Last contribution · Employment ended
£420.00
Aviva Personal Pension Deferred
Personal pension · Ref: AVP-2281940
£40,850
Scheme Type
Personal Pension
Stakeholder plan
Contribution Period
8 years
1990 – 1998
Ongoing Charge
0.75% p.a.
£306/yr — consider consolidating
Default Fund
Aviva Mixed Investment 40-85
Multi-asset
Fund Allocation
Global Equity (40%)
UK Equity (20%)
Bonds (30%)
Cash (10%)
Risk Level
Low-Medium (3/7) — Cautious Growth
💡 Tip: This pension has a higher ongoing charge (0.75%) than your other pots. Consolidating into your Scottish Widows scheme could save approximately £170/year in fees. Learn more about pension transfers →
Historic Activity
No active contributionsSep 2025 — Annual Statement
Fund Growth (2024/25)
Annual return · +4.8%
+£1,870
Jun 1998 — Final Contribution
Final Monthly Contribution
Last contribution · Ceased payments
£150.00
Retirement Income Projection
Estimate your annual retirement income based on your pension pots and preferences.
Drawdown Strategy
Take 25% tax-free lump sum
Reduces your pot but gives a tax-free cash payment at retirement
Projected Pot at Retirement
£339,650
7 years of growth at 5% p.a.
Estimated Annual Income
£10,189
From private pensions (4% drawdown)
Total with State Pension
£21,691
£1,807/month combined
Current combined pot
£287,450
Future contributions (est.)
£48,720
Projected growth
£51,200
Projected pot at retirement
£339,650
Tax-free lump sum (25%)
£84,913
Remaining pot for income
£254,738
Annual drawdown income
£10,189
State pension (from age 67)
£11,502
Important: These projections are for illustrative purposes only and are not financial advice. They assume a nominal annual growth rate of 5% before charges, ongoing contributions at current levels, and that the state pension age and entitlements remain unchanged. Actual returns may be higher or lower. Inflation will reduce the purchasing power of future income. You should consider taking independent financial advice before making any pension decisions.
State Pension Forecast
Based on your National Insurance record as of April 2025.
Weekly Amount
£221.20
Full new state pension (2025/26)
Annual Amount
£11,502
Paid every 4 weeks
State Pension Age
67
Payable from 2033
National Insurance Record
Qualifying Years
38
35 needed for full pension
38 of 35 yearsFull ✓
Years to State Pension
7 years
Reachable: 2033
Deferral Bonus
+£1,058/yr
If deferred 1 year to age 68
✓ Good news: You have more than the 35 qualifying years needed for the full new state pension. No further NI contributions are required to maintain your full entitlement. You may choose to defer your state pension for a higher weekly amount — each year of deferral adds approximately 5.8%.
Your Pension Timeline
Age 22 (1988)
Started Aviva Personal Pension
Opened a personal pension and began contributing £150/month. This was before auto-enrolment existed — good forward thinking.
Completed
Age 32 (1998)
Joined M&S Pension Scheme
Enrolled in the M&S workplace pension scheme. Employer contributed 6% with your 4% contribution.
Completed
Age 44 (2010)
Left M&S — Pension Deferred
Moved to ACME Engineering. M&S pension remained invested as a deferred member. Pot was £31,200 at the time.
Completed
Age 44 (2010)
Joined Scottish Widows Workplace Pension
Auto-enrolled via ACME Engineering with enhanced employer contribution of 8%. Currently your largest pot.
Completed
Age 60 (Now — 2026)
Current Position
Combined pension pot of £287,450 across 3 providers. Active contributions via Scottish Widows at £580/month (employee + employer). Projected retirement income of £21,691/year including state pension.
You are here
Age 55 – 60
Pension Freedoms Available Now
Since age 55, you can access your DC pensions flexibly: take 25% tax-free, enter drawdown, or purchase an annuity. No action required — but options are open if circumstances change.
Available now
Age 67 (2033)
State Pension Age
Eligible for the full new state pension of £11,502/year. At this point your combined projected income (private + state) is approximately £21,691/year. You can defer for a 5.8% annual increase.
7 years away
Age 75
Pension Tax Rules Change
From age 75, if you die with remaining pension funds, beneficiaries may pay income tax on inherited drawdown funds. Worth reviewing your expression of wish and estate planning before this point.
15 years away