ThreeScoreAndOn
Research

Retirement research & guides

Independent, plain-English research on the things that quietly shape your retirement — what the State Pension is really worth, who runs your pension money, and how the rules on passing wealth on are changing. Every figure is sourced; none of it is advice.

Deep dive · interactive research
How much has the State Pension really grown? 1975–2026
Fifty years of the basic State Pension in today's money, the new flat-rate system versus the old two-tier one it replaced, and why so many who paid in never reached the top rate — charted from official ONS and DWP data. Explore the data →
Deep dive · interactive research
Who actually runs your pension money? The 2026 landscape
The big workplace providers and SIPP platforms, the funds your money most likely sits in and how they've performed, and what the Pension Schemes Act 2026 changes for you. See the landscape →
Deep dive · interactive research
Inheritance tax is changing — what it means, and how to pass wealth on
Frozen thresholds to 2031, pensions pulled into the estate from April 2027, and the £5.5–7tn "great wealth transfer" — then the gifting toolkit that remains: PETs, the 7-year rule, taper relief and gifts from income. See what's changing →

Turn the research into your numbers

Map your own pensions, ISAs, property and State Pension across your whole retirement — and see whether your money lasts as long as you do. Free, no sign-up to start.

Try the planner free →