Retirement tools

What sacrificing salary into a pension or super saves, after the tax charged inside the fund.

Whether a high-income surcharge applies to your retirement contributions, and on how much.

What an employer must contribute to your retirement fund, and what a package figure means as salary.

How much of your annual before-tax contribution cap is left, including anything carried forward.

What workplace retirement contributions and an employer match add up to, including the higher ceiling that applies from a set age.

Which retirement account leaves more after tax — deduct now and pay later, or pay now and withdraw tax free.

What a health savings account is worth in tax saved and long-term balance if contributions are invested rather than spent.

What your savings will support in retirement, in today’s money — the balance you reach, the spending it sustains, and the age it runs out if you spend more.

How long until your portfolio covers your spending, based on your savings rate and the withdrawal rate you are willing to rely on.

Which account leaves more after tax — deduct now and pay on withdrawal, or contribute after tax and withdraw free.

What a pension contribution costs after tax relief, including any band where relief exceeds the headline rate.

What a workplace retirement balance becomes, counting employee, employer and any government contribution.

What a means-tested state pension pays after both income and assets tests, and which test binds.

Additional tax on retirement balance growth above a threshold, including unrealised gains.