Pension & Retirement
Pension Consolidation Calculator
Estimate fee savings from consolidating
Multiple small pension pots often carry higher fees. This calculator estimates how much you could save over time by consolidating into a single, lower-cost arrangement.
£150,000
1.5%
0.5%
20
5%
Frequently Asked Questions
Should I always consolidate my pensions?
Not necessarily. Some older pensions carry valuable guarantees (e.g. guaranteed annuity rates) that would be lost on transfer. Always get professional advice before consolidating.
What fees should I expect from a consolidated pension?
Modern SIPP and personal pension fees typically range from 0.3% to 0.75% for the platform, plus fund charges. Total costs of 0.5-1.0% are achievable with a well-structured arrangement.
Want personalised advice?
Calculators provide useful estimates, but your financial plan should be built around your specific circumstances. Book a free consultation to discuss your situation.
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