In the UK, many working professionals accumulate multiple pension pots across different employers. These pensions are often scattered, difficult to track, and hard to compare, leading to poor retirement planning decisions and disengagement from long-term savings.
Users struggle with:
Fragmented pension data across providers
Lack of clarity on total retirement value
Complex jargon and low financial literacy
Manual effort required to estimate outcomes
Objective
Design a UK-based Pension Merge Calculator that allows users to:
View all pension pots in one place
Estimate combined retirement value
Understand long-term outcomes clearly
Decide whether pension consolidation makes sense
The goal was to simplify a financially complex decision into a clear, confidence-building experience.
Solution Overview
We designed a pension consolidation calculator focused on clarity, trust, and ease of use.
Core capabilities
Input multiple pension pots (provider, balance, contribution type)
Apply UK-specific assumptions (inflation, growth rate, retirement age)
Instantly calculate merged pension value
Compare “Keep Separate vs Merge” outcomes
Visualise retirement income projections
Outcomes & Impact
Increased user engagement with retirement planning
Reduced abandonment compared to traditional pension tools
Higher trust due to transparency and explainability
Strong foundation for future features (advisor connect, provider sync)
Why This Matters
Pension consolidation is not just a financial task—it’s an emotional decision tied to security and trust.
This calculator transforms a fragmented, intimidating process into a clear, empowering experience for UK users.
Applicable Use Cases
Fintech pension platforms
Employer benefit portals
Independent financial advisory tools
Government-aligned retirement awareness initiatives
