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Pru Annuity Income Calculator

Calculate and compare the difference in potential income from our Income Choice Annuity and our level Guaranteed Pension Annuity.

Simply select your pension fund size; the age you’d like to start taking your annuity; your preferred starting income and if you’d like to provide income for a loved one after you die.

You'll then get an indication of the annual income available throughout retirement, as well as against inflation. Results can be viewed in a table or graph format - all of which can be printed

Easy to use features

  • Available across a range of devices, including the iPad.
  • Comprehensive help text to guide you through.
  • Available offline - if you bookmark or add the calculator to your favourites, it can be accessed whenever your browser is disconnected from the internet.


Whatever you decide to do with your pension - you don't have to stay with us. You should shop around and, depending on the choices you make, you may be able to get a higher income elsewhere if you decide to use your pension to provide an income for life.

This is one of the most important decisions you are likely to make, so we recommend you get guidance or advice to help you with this decision. Pension Wise is a new service from the government that will offer free and impartial guidance. This service will be available on the internet, over the telephone, or face to face. Find out how to access this by visiting www.pensionwise.gov.uk.

Bear in mind this calculator only compares the above mentioned annuity types and that there are other options available. For example, higher income if you/your partner have ill-health, or an annuity that increases by a fixed amount or the Retail Prices Index, for instance. Read more on our annuities, or for general information, see our annuities guide. There are now also more choices available to you when accessing your pension savings. Depending on your provider, you may now also be able to take your fund as a single or series of cash lump sums, transfer it to a drawdown plan or choose a combination of these options. It's important that you consider which options are right for you and you should seek independent guidance or advice before you make your decision.