Free browser-based estimate
Estimate a projected pension pot and illustrative retirement income from current savings and contributions. Review the assumptions and verify important figures with current official sources.
Projected pension pot
£490,808
Illustrative monthly income
£1,636
Years to retirement
33 years
This is an illustrative projection using a 4% annual drawdown assumption. UK pension tax, charges, inflation, State Pension, and scheme rules can materially change actual income.
Fast calculator execution with private inputs, clear estimates, and responsive layouts across desktop and mobile.
Salary, tax, savings, and career planning values are processed locally wherever possible. No account or saved calculation history is required.
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This tool projects the future value of your UK workplace or personal pension pot and estimates your potential retirement income. It models how your current savings, ongoing contributions, and tax relief will grow over time.
Anyone living and working in the UK who wants a clear view of their financial future. Whether you are relying purely on auto-enrolment or actively managing a SIPP, this tool helps clarify your long-term outlook.
Example Input
£30,000 salary, 5% employee contribution, 3% employer contribution, 30 years to retirement.
Sample Output
Projects a modest final pension pot and highlights the potential shortfall in retirement income without additional saving.
Example Input
£50,000 salary, 10% employee contribution, 5% employer match, plus £20,000 current pot.
Sample Output
Estimates a robust retirement pot, demonstrating the powerful impact of compound growth and higher sustained contributions.
Use this calculator to see if your current contributions are enough to sustain your desired lifestyle. You can map out broad retirement goals with our global retirement calculator and see how your UK pension fits in.
Be conservative with your growth assumptions and account for inflation. Make sure you understand the difference between purchasing an annuity versus going into drawdown when evaluating your projected monthly retirement income.
Don't forget to include the State Pension in your overall retirement planning if you have enough qualifying years. Also, opting out of workplace pensions means you miss out on free employer contributions—a concept central to the FIRE movement.
Auto-enrolment is a UK government initiative requiring employers to automatically enroll eligible workers into a workplace pension scheme and contribute to it.
The government tops up your pension contributions by providing tax relief at your highest marginal income tax rate, meaning a £100 contribution costs a basic rate taxpayer only £80.
Under current UK rules, you can usually take up to 25% of your pension pot as a tax-free lump sum from age 55 (rising to 57 in 2028).
Pension projections involve sensitive income and age data. Our tool calculates your future entirely in your browser, maintaining strict privacy while harnessing advanced maths similar to our compound interest calculator and 401k calculator.
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