PensionLayer helps you model and explore different pension portfolio scenarios: so you can understand your options before you invest.
PensionLayer is a pension calculator for informational use only. Not personalised financial advice. Not a regulated pension product.
Powerful tools designed specifically for self-invested personal pensions
Divide your SIPP across 7 asset classes with intuitive percentage sliders that always sum to 100%.
Get an instant risk score based on your allocation mix, from Very Low to Very High with colour-coded guidance.
See optimistic, base, and pessimistic growth curves over your chosen retirement horizon.
Build multiple portfolios and compare them side by side to find your ideal strategy.
Drill into each bucket and select specific ETFs and funds from a curated list of UK-available instruments.
Lock any bucket and the remaining allocation auto-rebalances across unlocked positions.
Start free, upgrade when you need to. Cancel any time.
For individuals building a retirement plan
Billed as £39/year — save 67% vs monthly
For serious retirement planners
Billed as £63/year — save 60% vs monthly
Full-featured, for professionals
Billed as £279/year — save 42% vs monthly
Pro tier does not include VAT and is available only to business users.
Everything you need to know about PensionLayer, your SIPP, and how the tool works.
PensionLayer is a browser-based pension planning tool designed for UK SIPP (Self-Invested Personal Pension) holders. It lets you build and analyse investment portfolios across seven asset classes, model projected growth over your chosen retirement horizon, and compare multiple strategies side by side.
No. PensionLayer is an informational planning tool only. The projections, risk scores, and allocations it generates are for illustrative purposes and do not constitute personalised financial advice. You should consult a qualified Independent Financial Adviser (IFA) before making investment decisions.
PensionLayer supports seven asset classes: Global Equities, UK Equities, Bonds & Fixed Income, Property & REITs, Commodities & Gold, Cash & Equivalents, and Alternative Investments. You can freely adjust the percentage allocated to each, and the tool ensures your total always sums to 100%.
Growth projections are calculated using assumed annual return rates for each asset class, applied to your current pot value plus ongoing monthly contributions over your chosen retirement horizon. Three scenarios are modelled: pessimistic, base, and optimistic — each using conservative, mid-range, and higher return assumptions respectively.
Yes. You can create as many named portfolios as you like and switch between them from the dashboard. The compare tool lets you place two or more portfolios side by side to evaluate projected outcomes, risk profiles, and allocation differences.
Yes. Each portfolio can be exported as a clean PDF snapshot that includes your allocation breakdown, growth projections, risk profile, and key assumptions. This makes it easy to walk through your thinking with an Independent Financial Adviser.
All user data is stored securely in a managed database with row-level security enforced, meaning you can only ever access your own portfolios. Connections are encrypted in transit and the application is hosted on Vercel's enterprise-grade infrastructure.
The free plan gives you access to the full portfolio builder, growth projections, and risk scoring for a single portfolio. Upgrading to Pro unlocks unlimited portfolios, the comparison tool, PDF export, and priority support.
PensionLayer is designed to be simple, powerful, and transparent. Here are a few ways to learn more about what it can do for your retirement planning.
Quick answers to the most common questions about SIPP planning, allocations, and how PensionLayer works.
A short walkthrough of the portfolio builder, risk scoring, growth projections, and comparison tools.
Have a question that isn't covered? Reach out and a member of the team will get back to you.