Whatever stage you’re at – starting out, building your pension, or getting ready to take an income – planning ahead helps you make confident choices about your future.
Here you’ll find clear, straightforward information to help you prepare for retirement - what you need to know, the options available, and the key things to consider before making decisions.
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The quickest and easiest way to access information about your Pru product, manage it, or to make changes to certain personal information, is through our Online Service. Registering is quick and easy.
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- Learn about pensions
- Approaching retirement
- Combine your pensions
- Access your pension
- Tax allowances
Understanding the pension basics is essential for planning a secure future. Learn how pensions work, the different types available, and what to consider as your savings grow.
Whether you’re saving for retirement in your younger years, looking at topping up your pension, exploring Additional Voluntary Contributions (AVCs), or planning for passing on your pension to loved ones, we make the essentials simple.
Explore what to think about as you approach retirement – from taking tax-free cash to choosing between drawdown or a guaranteed income. You’ll also find out when you’ll hear from us and the steps we’ll take to guide you through your options.
Stay in control of your savings. Find out how to combine old pensions, review your investment options, and make changes as your goals evolve.
When it’s time to access your savings, know the steps to do so safely and effectively. Get guidance on taking lump sums, setting up regular income, and understanding how tax could impact your choices.
Understand the tax rules around pensions – including annual allowances, lifetime limits and how to make the most of pension tax relief.
Tools and calculators
We have a range of calculators and tools designed to help you make informed decisions. They can show how different options might affect your retirement income, how long your money could last, and the potential impact of tax.
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Pension Pot Calculator
Estimate retirement income
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Retirement Income Planner
See how long your money could last
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Income Tax and Tax Relief Calculator
Estimate tax impact
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Retirement Contribution Calculator
Check how your contributions add up
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Emergency Tax Tool
Check potential emergency tax on withdrawals
Media library
An overview of the retirement options available.
Thinking about cashing-in your pension?
Once you reach 55 (57 from 6 April 2028, unless you have a protected retirement age) you can take your pension as cash, either all at once or in stages. If you’re thinking about this option, watch this to help you understand some important considerations.
Guidance and advice
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