Pension Lump Sum Calculator: Work Out the Numbers First
Money choices feel clearer with numbers in front of you. This calculator turns a few inputs into a simple estimate you can compare and plan around.
What is the Pension Lump Sum Calculator?
It applies the tax-free percentage you enter to the whole pot, showing what could be taken as a lump sum and what stays invested, subject to current pension rules. All figures here are estimates: check current rules and rates before acting on them.
How to use it
- Enter your numbers.
- Check that each figure looks right.
- Click Calculate Lump Sum and read the result.
Worked example
A $200,000 pot at 25% gives an estimated tax-free lump sum of $50,000, leaving $150,000 in the pension.
What lump sum comes from a $200,000 pension at 25% tax-free?
Twenty-five percent of $200,000 is $50,000, leaving $150,000 in the pension.
Frequently asked questions
Are these figures exact?
No. They are estimates based on the numbers you enter. Rules, rates, and charges change, so check current rules before making a financial decision.
What should I do with this estimate?
Use it to compare options and plan your next step, then confirm the final figure with the provider, lender, or adviser involved before committing money.