AnyTime UK Pension App

⚠️ THIS IS NOT A GOVERNMENT APP

AnyTime Pension App is an independent simulator made by a private entity (AnyTime Apps). It is NOT affiliated with, endorsed by, sponsored by, or connected to the UK Government, DWP, HMRC, GOV.UK, the NHS, NHSBSA, or any public-sector pension scheme. It does not represent any government entity.

All figures shown are estimates for education and planning only — not financial advice, and not official entitlement figures.

📚 SOURCES — OFFICIAL GOVERNMENT INFORMATION

All government pension rules, rates and thresholds modelled in this app are derived from these official sources:

• State Pension: https://www.gov.uk/state-pension
• National Insurance: https://www.gov.uk/national-insurance
• NHS Pension Scheme (NHSBSA): https://www.nhsbsa.nhs.uk/member-hub
• Teachers' Pension Scheme: https://www.gov.uk/government/collections/teachers-pension-scheme
• Civil Service Pension Scheme: https://www.gov.uk/government/publications/2024-valuation-civil-service-pension-scheme
• Local Government Pension Scheme: https://www.gov.uk/government/collections/local-government-pension-scheme
• Pension tax rules: https://www.gov.uk/tax-on-your-private-pension
• Pension Credit: https://www.gov.uk/pension-credit
• Winter Fuel Payment: https://www.gov.uk/winter-fuel-payment

Lifestyle benchmarks: PLSA Retirement Living Standards (industry body, not government): https://www.retirementlivingstandards.org.uk

For official information about your pension entitlements, always consult the sources above or your scheme administrator.

Independent UK pension simulator — State, NHS, Teachers', Civil Service, LGPS and private pensions in one forecast. Change one number and the whole picture updates instantly.

WHAT YOU CAN MODEL
• State Pension — NI qualifying years, gaps and buyback, contracted-out (COPE), deferral
• NHS — 2015 Scheme (CARE), 1995 and 2008 sections
• Teachers' (TPS) — career average and final salary
• Civil Service — alpha, classic, premium, nuvos
• LGPS — 2014 career average and pre-2014 legacy
• Private pots — growth, tax relief, drawdown vs annuity
• Multiple schemes at once — left the NHS and now teach? Enter both; they sum automatically

REAL QUESTIONS ANSWERED
• Retire at 60 instead of 67? Each scheme shows the early-retirement reduction and what waiting pays instead
• Self-employed on low profits — is your NI year covered, or should you pay voluntary Class 2?
• Moving abroad — frozen-pension countries, voluntary Class 3 from overseas
• Am I on track? Compare your forecast with PLSA Retirement Living Standards

PLAY WITH THE NUMBERS
• Early retirement — see the reduction before you commit
• Phased retirement — part-time work while keeping NI years
• Tax-free cash vs monthly income — move the slider both ways

SCENARIOS — SAVE, COMPARE, SHARE
• Save any forecast under a name — "Retire at 60", "Retire at 67" — and load it back later
• Compare two saved scenarios side by side and see which option pays more
• Share your forecast summary — or copy it to the clipboard
• Saved scenarios are stored on your device only, and you can delete them anytime

PRIVACY FIRST
No sign-up, no account, no ads, no tracking. Everything you type stays on your phone — nothing is sent anywhere. Optional saved scenarios are kept on your device only and never leave it (unless you decide to share them). Works fully offline.

UK ONLY — models UK pension rules with 2026/27 rates. Rates change every April — always check GOV.UK before acting.

IMPORTANT: This is a simulator, not financial advice. Figures are estimates based on the rules and numbers you enter — your actual pension depends on your exact circumstances. Always confirm with GOV.UK, your pension schemes, or free guidance from PensionWise.

Download it, enter a few numbers, and see your whole retirement on one screen.