A simple pension calculator — no account required.
PensionBud helps you explore retirement scenarios in seconds — so you can understand the "what if?" without handing over your personal details.
PensionBud is for illustration and education only. It does not provide financial advice.
Private by design
Most pension tools start with "Create an account" and end with "Leave your number". PensionBud is different: it's a helpful calculator you can use straight away.
No account required
Open the app, enter a few numbers, and explore scenarios instantly.
No data harvesting
Designed to work as a calculator — not a lead-gen funnel.
You control the assumptions
Change growth, retirement age, contributions, and options to see different outcomes.
How it works
Three quick steps to turn "I have no idea" into "I roughly get it".
1) Add the basics
- Pension pot value (and optional monthly contributions)
- Retirement age and income goal
- Simple growth assumptions (low / medium / high)
2) Explore options
- Tax-free cash percentage (up to 25%)
- Annuity vs drawdown allocation (0–100%)
- Escalation options (flat / fixed / CPI style)
3) See the outcomes
- Clear annual/monthly income illustrations
- Side-by-side scenarios for quick comparison
- Simple explanations of what assumptions mean
Illustrations are not guarantees. Actual outcomes depend on investments, fees, inflation, tax rules, provider terms, and annuity rates at the time.
What you can do with PensionBud
Designed to be helpful in 60 seconds — and still useful as you go deeper.
Sanity-check your numbers
Quickly sense-check "what would this pot provide?" without a spreadsheet.
Test retirement "what-ifs"
Try different ages, contributions, and growth assumptions to see how sensitive outcomes are.
Compare drawdown vs annuity
Experiment with splitting your pot to balance flexibility and guaranteed income (illustrative only).
Keep it simple
No jargon overload — just enough explanation to make choices understandable.
Made for iPhone
Fast, clean UI that feels like a tool — not a form-filling exercise.
Start private
If you're not ready to share details online, you can still get a useful estimate.
Built for everyday planning
PensionBud is for people who want clarity without complexity — and who prefer calculators over sales calls.
Ideal for
- Early "rough planning" and curiosity
- Checking the impact of extra contributions
- Comparing scenarios before you speak to a professional
Not intended for
- Personalised financial advice
- Replacing regulated guidance
- Decisions without considering your full circumstances
FAQ
Is PensionBud financial advice?
No. PensionBud provides educational illustrations based on the figures and assumptions you enter. It does not consider your personal circumstances and is not regulated advice.
Do I need to create an account?
No. PensionBud is designed to be used immediately, like a calculator.
How accurate are the results?
They're estimates. Real outcomes depend on investment performance, charges, inflation, tax rules, annuity rates, and how/when you take benefits.
Where do I find my pension pot value?
Common places: your latest annual statement, your provider's app/portal, or workplace pension communications. If you have multiple pots, you can explore them one at a time or add them together for a rough total.
Can I contact you?
Yes — please contact us at info@eyelitedigital.co.uk.
No account. No fuss. Just quick, helpful pension illustrations.