EU PENSION GUIDE

Plan Your Pension

See your income, compare options, and choose a clear path for later life.

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TOPICS

What We Cover

When moving a pot makes sense, and when to wait.

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GUIDE

Transfer Rules

When moving a pot makes sense, and when to wait.

Calculator, notebook, cup and cloth on stone tray for income forecasts.

TIPS

Income Forecasts

Use a simple estimate to spot a gap early.

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TRENDS

Annuity Rates

Read rate changes and what they mean for income.

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GUIDE

Freelancer Savings

Set a steady pension rate for uneven monthly pay.

of pension planning work

18 years

of pension planning work

tracked in our guides

27 countries

tracked in our guides

from readers and clients

164 reviews

from readers and clients

The Map

Community

Customer notes

Verified

My old pots were spread across three providers. Now I know what each one does.

S

Sofia Bernal

Operations lead, Madrid

Verified

The income forecast made my next step plain, and I changed my savings rate that week.

L

Liam O'Connor

Freelance designer, Dublin

Verified

They made the transfer points easy to follow, so I asked better questions.

A

Anika Meier

HR manager, Munich

LATEST NOTES

Latest Pension Notes

Plain notes on common rules across Europe.

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Country guide

Pension Rules by Country

Plain notes on common rules across Europe.

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02Check first

01 Transfer Fees

See where charges can hide.

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03Rate watch

02 Annuity Quotes

Compare fixed income offers side by side.

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Wide guide

Income Map for Retirees

See how each pot may add to monthly income.

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05For workers

Contribution Boost

Raise your rate in small steps over time.

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06Money note

Tax Relief Notes

Check the points that change your net saving.

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07Quick check

Small Pot Review

Spot accounts that need a closer look.

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08Planning

Drawdown Steps

Set a plan for withdrawals and timing.

Questions

Pension Questions

Quick answers before visitors choose a product, service, or next step.

01What does pension transfer guidance cover?+

We check fees, tax points, guarantees, and timing before you move a pension pot, so you can see the trade-offs.

02Do you help employees and freelancers?+

Yes. We review workplace pensions, private pots, and self-employed savings plans in clear steps for later life.

03Can you compare annuities and drawdown?+

Yes. We compare fixed income and flexible access, then show the likely cash flow from each route over time.

04Do you work with people across Europe?+

Yes. We support people living and working across Europe and check country rules case by case before each step.

05How do forecasts help?+

A forecast shows your likely income later, the gap to your target, and where extra saving can help you sooner.

06Is a pension review useful years ahead?+

Yes. Small changes now can reduce stress later and make your income plan much easier to manage for years to come.

Get the Pension Brief

Get one short email with pension tips, rate notes, and checklists for employees, freelancers, and retirees across Europe.