Create your illustration

Split your money into any of the pots you want and see what kind of income you could get in retirement. You can also say if you'd like to take the 25% tax-free lump sum.

There's no obligation to join, and you can:

• move money around to try out different scenarios
  

• come back as often as you want before you join
  

What you'll need

Before you start, make sure you have your Smart Pension sign-in details.
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Joining Smart Retire

When you're happy with your illustration, we can take you through the enrolment process.

Once we have your documents, it can take up to 15 days to create your Smart Retire account. We'll guide you through the whole process when you are ready.

Smart Retire may not be suitable for you if you can take more than 25% as a tax-free lump sum, wish to choose your own investment funds, use a Shariah or specialised ESG fund or are in serious ill health.
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