Whether your future is front of mind or a distant thought, we’re here to help you get started. You might already have a steady plan for your pension or not know how much is in your pension pot, but either way, we’ve made it simple for you to take the right steps towards your retirement.

Visit the retirement stage page relevant to you and explore our guides, tools and calculators to get a plan in place for your retirement.


Are you future ready? Explore our hub to find out more about the steps you can take to become more engaged with your pension and how you can get on track for the retirement you want. Get started with our new expert presentations for top tips and answers to the most commonly asked questions about your retirement planning stage in one place.

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Your future planning starts here. Simply explore the different planning stages starting with the one most relevant to your stage in your retirement planning journey.

Stage 1 - New to saving for retirement


You might be many years from retirement, but it's never too early to start saving for the future. Learn more about the basics of your pension and what you can do to get a head start on saving for your retirement.

New to saving for retirement

Stage 2 - Saving for retirement


If you've been saving for retirement for a while, it's time to start making sure your plans are in order. Find out the key things to consider to make sure you are on track for the retirement you want.

Saving for Retirement

Stage 3 - Approaching retirement


As you approach retirement, it’s important you understand when you are able to access your pension savings and the various options available to you.

Approaching Retirement

Meet your future self

Try our interactive tool to see what you could look like when you retire, what the value of your pension could be and what to do next.

Get started

Have something on your mind? We're here to help.

We’ve put together some quick guides and handy information to answer your most frequently asked questions.

Your questions answered

Be money well

Be money well

Find practical information and guidance from across Scottish Widows and independent experts to help you be more in control of your finances.

Be Money Well

Pension wellbeing guide

Pension wellbeing guide

This guide will help you understand all the basics you need to know about saving for your future. It’s also filled with practical information you can use to help check your plans are on track, and stay on track for the retirement you want.

Read our guide (PDF, 2MB)

Paying more calculator

Paying more calculator

Calculate the benefits of increasing payments to your workplace pension.

Calculate it