How pensions are calculated

Terry Hay

Published on: 20/02/2026

How pensions are calculated across defined contribution, defined benefit and state pension systems. Learn the core formulas, the inputs that matter most, and how to turn a pension pot into a target retirement income.

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What Pension Will I Get? A Straight Answer for UK Professionals

Terry Hay

Published on: 13/02/2026

What pension will I get in the UK? Discover how much you are likely to receive from your state pension and defined contribution pension, how retiring at 57 compares to 67, and how to calculate your real retirement number.

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How Do Pensions Work? A Clear, Practical Explanation

Terry Hay

Published on: 23/01/2026

How do pensions work? A fund analyst explains how pensions really work, why they often become your biggest asset, and how your money is invested over decades to fund retirement.

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