Plan for your future, today
Empower your retirement with pension cloud
Don't let the uncertainty of retirement hold you back. Use our free retirement tool to plan for the future you want.
Take control of your retirement with pension cloud
The uncertainty of retirement can be a major source of stress for many people. Unfortunately, millions of people in the UK don't know what their retirement will look like because they haven't got a clear understanding of their pension savings. Many people are putting money into a pension but don't know if it's enough to support the lifestyle they want in retirement. This can lead to a lot of anxiety and financial stress in later life.
At Pension Cloud, we believe that everyone deserves to have a clear picture of their retirement and the financial guidance and advice they need to reach their goals. Our free tool is designed to help bridge the advice gap and give you the information you need to plan for a secure and happy retirement.
How it works
Are you one of the many people who are putting money into a pension but aren't sure if it will be enough to support you in retirement? Pension Cloud is here to help. Our tool does the maths for you and shows you how much you'll need to save to achieve your desired lifestyle.
1
Your retirement lifestyle
First, we gather information about your desired retirement lifestyle. This includes your retirement goals, your expected expenses, and any other relevant factors that could impact your retirement planning
2
What you have
Next, we analyse the value of your current pension pot. We take into account your current contributions, investment returns, and other factors to determine the current value of your pension.
3
What you'll need
We then assess the gap between your desired retirement lifestyle and the value of your current pension pot. This helps us determine how much additional savings you may need to make to reach your retirement goals.
4
Your retirement outlook
Finally, we present you with your retirement outlook, giving you a clear picture of how your retirement stacks up right now. We show you how much income you can expect from your pension pot and whether this is likely to be enough to support your desired lifestyle. If there is a shortfall, we'll provide you with suggestions on how to close the gap and reach your retirement goals.
5
Get advice
If you wish, we can then pass this information to an advice professional who can help you identify ways to invest to make your retirement lifestyle achievable. This may involve exploring different investment options, adjusting your contributions, or other strategies to help maximise your retirement savings.
Benefits of using a retirement calculator
The Pension Cloud Retirement Calculator provides personalised projections, scenario planning, accessible financial guidance, and free use to help you take control of your retirement and avoid poverty, saving you money on costly advice.
- Takes the guesswork out of retirement planning
- Provides personalised projections based on your unique circumstances
- Helps you determine how much you need to save to achieve your desired retirement lifestyle
- Allows you to experiment with different scenarios and see the impact on your retirement savings
- Offers peace of mind by helping you plan for the future and avoid financial stress in retirement
- Helps bridge the advice gap by providing accessible and transparent financial guidance
- Can be used at any time throughout your working years to ensure you're on track to meet your retirement goals
- Helps you avoid poverty in retirement by ensuring you have enough savings to support yourself
- Can be used for free, saving you money on costly financial advice
No strings attached: the Pension Cloud Retirement Calculator is free to use and always will be
Ningi is a financial technology company that helps financial advisors to be more efficient, gives their clients amazing customer experiences, and reaches more people across the UK. Our mission is to make financial advice accessible to everyone, and our tool, Pension Cloud, is just one way we're working towards this goal.
Pension Cloud is a free tool we provide to help bridge the advice gap and give people the information they need to plan for their retirement. We believe that everyone deserves access to quality financial advice, regardless of their wealth or income.
We also work with financial advisers who share our mission and are willing to help anyone. These advisers pay Ningi to build the tools that help them reach more people, offer better service, and be more profitable. When you use Pension Cloud, you have the option to be put in touch with one of these advisers if you wish, but there's no obligation.
Our priority is to give you the information you need to plan for your retirement with confidence. With Pension Cloud, you can receive personalised projections, scenario planning, and accessible financial guidance at no cost.
Privacy statement
A Pension Cloud, we take your privacy seriously. We understand that your financial information is sensitive, which is why we never share your data with anyone unless you explicitly ask us to.
When you use our tool, you can rest assured that your personal and financial information is safe and secure. We use industry-standard encryption and security measures to protect your data and ensure that it remains confidential.
If you choose to be put in touch with one of our regulated financial planning partners, they will be able to help you independently of Ningi. We will only share your data with them if you ask us to, and only for the purpose of providing you with financial advice.
We believe that privacy is a fundamental right, and we're committed to protecting your data and your financial future, with Pension Cloud, you can plan for your retirement with confidence, knowing that your privacy is always our top priority.