Take control of your pensions

Your different pensions working harder for you

I want to consolidate my pensions

Various pensions in different places can often be hard to manage. If you’re like most people and you’ve had a number of jobs, you’ve lost track of what you have where.

We often get asked:

 Why should I combine my pensions?

 How can I find my pensions?

We can help simplify matters. We consider the cost implications of consolidation and put people on the right track for the future, and reduce the ongoing administration of managing multiple pensions.

If you want to get your pensions in order, we can give you specific pension advice. To find out more give us a call today or complete the form below:

020 3823 8678

Will you have enough?

Try our simple pension calculator.
Calculate today

Thinking about your pension?

You may be asking yourself about...

Lifetime allowance

Am I close to or have I exceeded the lifetime allowance?
What do I need to do now?


Is a SIPP right for me?
Which type of pension can I transfer to my SIPP?

Access your pensions

What is the best way for me to access my retirement savings?
Should I take my pension lump sum?


Where is my pension invested?
Am I taking the right amount of risk?

Pension Calculator

Our Pension Calculator helps you understand whether your required income in retirement can be achieved.
Enter your pension and retirement income information below
Current age
Age at retirement
Age at retirement cannot be below Current age
Minimum retirement age is 55
Value of existing pensions
Annual gross pension contributions
Required annual income in retirement
All figures are shown in today's money
You could take up to
as a tax-free lump sum
Which would leave you with
a year income in retirement, including a state annual pension of £0
You are currently
your £0 target annual retirement income.
Talk to us today
Tax rules are dependent on your individual circumstances and may be subject to change in the future. The figures presented should not be seen as any form of advice. You should seek appropriate guidance to fully understand your options.

The calculations have been verified by a third party actuary as delivering reasonable outputs given the stated purpose of the calculator.

We will continue to update the 7IM Pension Calculator with the aim of ensuring the calculations are based on current data/numbers concerning inflation rates, pension legislation etc. This helps us to provide you with as clear a picture as we can.

7IM uses Technical Connection, a tax specialist business (engaged by financial planners and financial institutions), to create the underlying calculations of the 7IM Pension Calculator.

Gross Pension Contributions

The Gross Pension Contributions are assumed to continue until your retirement. We increase these contributions by 2% per annum.

Money Purchase (Defined Contribution)

We have not taken account of any restriction that may be required as a result of triggering the Money Purchase Annual Allowance rules or tapering of the Annual Allowance in effect from April 2016.


We assume an annuity income of 4% of the total value of the pension. Note there are other options available at retirement, please speak to us further about your requirements.

Pension Lump Sum

We have enabled you to take up to 25% as a tax free lump sum.

Lifetime Allowance

The 7IM Pension Calculator does not take into consideration the Standard Pension Lifetime Allowance which should your fund exceed it, may affect you.


The 7IM Pension Calculator assumes 1% annual charges on your pension value until retirement. Your actual circumstances and charges may differ.

State Pension

We assume you are entitled to and will receive a full single tier state pension at state pension retirement age. We assume your State Pension will increase in line with earnings (i.e. Consumer Price Index (CPI) +1%). This does not include any additional state pension you may be entitled to.

Investment Growth

We assume your investment will grow at 5% per annum. As with all Investments they can go up as well as down.


We assume a default inflation rate of 2%. This is applied when calculating the value of your pension pot at your chosen retirement age. All figures are shown in “Today's Money”.

More from 7IM

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Give us a call today or leave your details below and one of the team will call you back.
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© 2001 – 2020 Seven Investment Management LLP. All rights reserved.

Seven Investment Management LLP is authorised and regulated by the Financial Conduct Authority,
the Jersey Financial Services Commission and the Guernsey Financial Services Commission. Member of the London Stock Exchange.
Registered office: 55 Bishopsgate, London EC2N 3AS. Registered in England and Wales No. OC378740.

The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.
The value of your investments and the income from them may go down as well as up, and you could get back less than you invested.

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