Your pension
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Understanding your pension

It’s time to take action for your future, and it’s easier than you might think. We’re here to help you make informed decisions to increase your savings. Your pension download provides the insights you need so you’re saving towards a future you want. Catch up with our most-watched videos at a time that suits you, whenever you want, to help you plan today for tomorrow.

Why is your pension important?

Could you live on the state pension of £221 a week? Saving today while you’re working will put you on track for a retirement you want. The sooner you think about it, the easier it will be.
Sign in today.

How much should you save into your pension?

It’s great that you’re saving for retirement, but are you contributing enough? There's no simple answer, as your needs depend on factors like age, retirement plans and future income.
Check your contribution.

Your pension checklist

Start making your retirement plan today with these four quick and easy steps. The good news is that it’s never too late to save more towards your future. Spending just 20 minutes now will help you save towards a retirement you want.
Complete your checklist.

 Get your full pension download

Make a plan

Retirement may feel like a long way off, but pension saving is a journey. It’s easier than you think to make your plan – you could take control of your pension in just 20 minutes.

How much money will you need in retirement?

Are you saving enough for the lifestyle you want once you’ve finished working? Our pension calculator can help you estimate how much you might need for your retirement.
Use our calculator.

Why should you start saving into your pension?

Starting early allows your pension savings to grow through investments and contributions. The thing about pensions is that the more you put in, the more you get out.
Start saving today.

Why combine your pension savings?

One of the quickest and easiest ways to get on track with saving for retirement is to have all your pensions in one place. Why not combine today? 
Get started now.

 Take control

Retirement might seem far away, but saving for your pension is a journey. Taking control of your retirement planning  has never been easier. Get your full pension download today and start planning for a brighter future, in just 20 minutes.

Download the Smart Pension app

It only takes two minutes to check what you have in your Smart Pension. Knowing what you have will help you work towards the retirement you want.

Make a plan

Taking action today will help you get on track. It’s never too early or too late to think about your income in retirement. Make a start by using the pension calculator on our app today.

Find and combine your pensions

Have you changed jobs and left some pension savings behind? With an estimated £31.1 billion out there in lost or forgotten UK pension savings*, how much of it could be yours? Combine your pensions using our app to get started.

Source: National Pension Tracing Day

More than just a pension

Learn more about the tax advantages with your pension, as well as how Smart Rewards can save you up to £600 a year, and what happens if you die before you retire.

What are Smart Rewards?

Take advantage of our free and unlimited savings and discount scheme, exclusively for Smart Pension members – save money at all your favourite online and high street retailers.
Sign up today.

Do you pay tax on your pension?

When it comes to tax and pensions, it isn’t complicated – and HMRC provides valuable support for retirement savings. It’s worth contributing more than your employer’s matched contributions, if possible.
Find out more.

What happens to your pension if you die?

Take five minutes to make sure that retirement savings go to your loved ones, family or friends, if the worst happens. It’s not covered in your will.
Get organised today.

Complete our survey

Share your thoughts on your pension download. Your feedback helps us make things better, so you can retire your way.

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Start your plan today

Access your pension in your pocket anytime, anywhere. Easily check your balance, change your contributions and manage your Smart Pension account.